New car talk (finance) - worth it?

[Niall]

There's no such thing as a good deal when it comes to finance... Bank loan is the most hassle-free, currently you can get a personal loan for very close to the same rate as mortgages, I've seen them as low as 3.5% - ones for larger sums rising to about 7.0% - which is bloody nuts! Banks are encouraging lending to boost the economy - but you've gotta be careful with them...

This. Ive been offered 25k by Lloyds and thats along side my current loan!.....Just a shame I've f*cked my credit rating for a few months due to insurance quotes with direct line group