Borrowing to pay for your car
Don't worry too much about negotiating your deal with the salesman. If you have a good idea of what's available and what price you're aiming for, you're in a good position to get what you want. You've done your homework and it's up to the salesman to reach a price which you'll be willing to deal on.
There are other alternatives when it comes to car finance and one is good old-fashioned hire purchase. This is easy to arrange and is a form of a secured loan. The vehicle is the security and it becomes yours when the final monthly payment is made. Until then, strictly speaking, the car belongs to the Finance Company.
Whichever type of finance you finally decide on, your decision should be based on the overall cost of borrowing the money. Remember the cost of the car, on the road, is already sorted - the big difference now is what it's going to cost over the period of the loan, to pay for it.
The internet is the place to look for the best loans. Find an independent broker who'll search a wide market and come up with some excellent choices. You're sure to find the right deal for everything.