finance/loans with this credit crunch at the moment, dont even think about it. running costs etc will put you out of pocket, rape your bank account anally, and it will all end with most likely bankrupcy if you cant afford to pay back the loan as well as living for yourself and running the car. and bankrupcy means if the car is worth a descent ammount, they will take that to share between the creditors.. just be prepared for it mate, dont go diving in thinking its all gravy.. think about the downsides if it goes.. tits up.