hire purchase or loan for car?

[nothercules]

whats theh best way? how do people do it?

look on moneysavingexpert dot com for the best tips on buying cars and best buys for loans.
Very rare the garage's HP deal will be best, usually loans are cheaper.
Depends how often you change your car - I do about every 3 years so it usually works out cheaper for me to lease than buy then chop it in
Also check out car brokers to get it cheaper in the first place - you still deal through a main dealer but they have already negotiated a discount for you - my dh saved £4k on a £22k car

Personal Loan usually works out better. Also if you have a personal loan rather than the finance you don't have to have fully comp insurance and you can sell the car before the loan is paid off if you need to.