even once ive saved up the cash to buy a car im after outright id rather keep my lump sum of savings and get a bank loan. on a £20K loan your only paying about £1500 interest over 5 years. nowadays its so much easier and affordable to get something bigger/better.
even 17-18 year olds can get behind the wheel of a brand new car in all in one packages of car/tax/insurance for only a couple of hundred quid a month.