I bought a second-hand Skoda Fabia that was a few years old for a very reasonable price. Def not as cool a car as a VW or Audi but its v.economical to run and insure. Service costs don't look like they will be massive either. It's bigger than a VW Polo, maybe its size is on a par with a Golf. 5 doors, lots of boot space, roomy inside. Mind you, I'm a short-arse although its comfortable to drive if you're over 6 ft. So I'm told. Don't know anything about car finance. I did loads of research before I decided upon Make/model. You could try What Car, Autotrader etc websites for comparisons too.