TBH, 80% of people buy new (or newish) cars on finance, don't let foolish people on here cloud your head. But if you are buying finance, make sure it's a good car or a high spec of a normal car.+ make sure u have a big deposit so u can pay it off quick4grand deposit for a 8 grand whip?or save up moreif you got £4k saved up then defo take out a finance agreement. you'l have it paid off in no time. what car do you want? you could get a 56 or 07 plate peugeot 207 for about 7-8 grand. with £4k deposit you could prob get an agreement with typical 5.9% apr, tell them what monthly payments you can afford, say £170 and they'll make it workif that was me thats what i'd do