it may be an option for a good 2nd hand car that you intend to keep for a long period.
its one option i am looking at for a 2nd hand jimny or yeti.
reasonable jimny for 6kish or yeti for 7-8k.
finance over 4 or 5 years keeping the car for 8-10 if i last that long would be a decent option.
both cheap to insure and service.