If you must, a personal loan is the most economic form of credit. But, you’ll need to satisfy the criteria -e.g. enough disposable income to cover the payments and it might have to be secured against the car. Obvs, you then pay for your own maintenance and suffer the S/H value, but it would work out to be less overall.
Usually, finance arrangements are what’s called ‘interest front-loaded’. So, in the first year or so, you pay more interest than capital e.g. a £500 payment is £450 interest and £50 capital. This ratio inverts, towards the end. Effectively this means if you come to end it early, the settlement figure could still be quite high – maybe more than the car is worth.