I have £1K at Zopa lol. I think they charge 5%??? Or maybe that's what they give me as a profit..
Or
I can lend you £1000 over a period of 24 months. APR representative 100%
Monthly repayments: £79.28
Total Amount Repayable: £1902.82
APR:100%
Total Cost of Credit: £902.82
(Not serious btw)
More seriously, you can compare some loans - it MAY be cheaper to get that loan on a ...0% or even a 12.9% credit card. I don't really condone getting loans however cars are often an "investment" - they're not. They're a massive money pit, but so many jobs require a car. If you can get by without a car, consider not buying a car.