A lot depends on how much you’re spending. If you’re buying a used car worth a couple of grand, we’d suggest paying cash. Beyond that, a personal loan could be a great option. You should be able to find a low-rate finance offer, with zero percent deals often available. A zero percent credit card is another option, but you must ensure you settle the figure before the agreement ends. Also speak to a used car dealer, but don’t pay over the odds.