I have been looking into loans as the apr is a lot lower than any deal on many cars new or used around right now.
Santander 2.8% and post office i think the same, if you have good credit rating should be no issue. Considering the allowance now over the 3 years of the mb lease is now just over 10k. Are a few cars around with 0% apr but all are manuals. Kia do do the 7 year warranty and you can buy a 3 or 5 year service plan. 5 year is £699. for me that’s affordable on a smaller car maybe a rio and in the end you will own something.