You just gotta work hard and save, no point in putting yourself into debt by taking out a big loan, my first car was a WB ute, I saved as much as I could and bought a 96 r33 gtst, and you appreciate knowing that you owe nothing on it too. I live in rural NSW too, so car theft isn't to bad - its too technical for the locals to break into a car let alone start it and drive off. So I only pay for Third Party Property insurance incase I run into a BMW.
Sumo