Most recent bike was interest free credit.
Motorbike I did interest free credit card for 48 months a few years ago.
If I was buying a car I would lease.
Bought van to to convert into camper. Bank loan. 2% interest or something.
Means I get warranty etc…. hopefully no big repair bills and monthly payment is affordable with secure job(teacher).
Previous van had a few big bills, worked out that a loan on a brand new van wouldng be much more so eent with that.
Same reason I would lease – predictable outgoings.
If I know my employment status is safe, interest is low and I know I can comfortably afford monthly payments.