I agree, I wouldn't want the worry of having a loan hanging round my neck - hence why I drive an old XR4x4 and not an Escort Cossie.

I heard someone saw once that you shouldn't buy a cossie unless you can afford to buy it twice over, just in case. Sounds like good sense to me. Just save up, it will be worth it when you can finally afford to buy it outright plus it will save you money as you will be getting interest from your bank (albeit a small amount) instead of paying interest to some loan company/bank.