Always better to get a bank loan than finance on a car. Most, if not all bank loans, are unsecured. This means if all of a sudden you couldn't afford the payments the only option the bank would have would be to take you to court. Nowadays, if you went that bust there is ways of sorting repayments out amicably by paying less over a longer period. If you have a car on finance, the interest rates will be higher and also it will be secured against the car. If you default on payments you lose the car, and all the money paid so far.
I tend to get second hand cars so get at least a five grand loan over no more than five years and buy a decent second hand car. After five years I get another loan and chop the car in for something else. With all this internet wonderfulness there are plenty of deals out there. My last motor lasted me about seven years. When I got i, it was a one previous owner (sales rep=motorway miles=well serviced/maintained)mkIII Zetec 2.0 Mondeo, five years old with about 80K on the clock.
Whassamattayou, whyoulookasosad, itsanicaplace, itsanotsobad, heyshaddupayourface.