Well, I have a stable job with a good future. I was driving my mums pulsar around for 2.5years, but now shes an Enjo lady she needs the car. Sooo we had a few options, me catch a bus (never ever going to happen) I buy a silly little car with my savings. Or Spend up big now, get over the whole car thing before I decide to settle down. I chose to spend up big now, I chose wisly on the car I bought, and my Ps extended the home loan, we bought some other stuff, and they paid for the rest of my car, which I am now paying back, as per a normal loan, they felt it was safer than me going thru the banks. Sooo Im paying the loan back with the same repayments as a personnal loan, but at homeloan rates, the interest is caculated daily, as per a normal loan. So yeah. Thats how I have my car, but before I was even allowed to get it, I had to do a defencive driving course, and show that I could save very well, which I did.