It all depends...
How long do you want to keep the car, how much can you avoid to spend etc etc.
Getting finance, PCP, Lease from a dealer could appear to give you a good deal, but then it locks you into their network and makes it a pig to shift if you have a balloon at end or a GVF or have done silly miles.
HP/loan from a bank is the other approach, but you really need to write down the figures on paper or even better a spreadsheet to really understand what works out financially for you personally
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