I got a personal loan for 7k paid over 3 year’a for a 3 year old car. It is now 10 years old and I will run it into the ground.
We had a second car bought for 3k sold six years later for 2.7k !
Both cars requied less than £500 a year on servicing and repairs averaged out.
I would never lease a car and now I would never get a loan out for a car.