don't get a loan from the car dealer, mega interest, get a bank loan and and buy cash, lower interest rate plus you can haggle the price of the car down with an outright buy or better still buy one that's a year old or so with low miles, that way the first owner has suffered the initial depresiation cost and you get a motor that will only loose a small amount for a year or two.

If you have the never, visit an auction, get new motors going through dirt cheap, and as a private bidder, you can out bid the dealers as they need to buy and mark it up.

My mate got a loan from a garge and was paying £180 a month, he found out after a year that only £90 a month came of the loan, the remainder was interest.