I'm condisering 50/50 on my next car if it is still being offered in a couple of years time.
Like the thought of only paying for half of it and then stashing the remainder in an interest paying account for a couple of years. That way I plan to get some extra's I would not really go for because of price, and fund the balance with a personal loan over two years starting from when I get the car, again stash the loan money in the account and start paying it off straight away.
Two years later, you have the cash for the balance, a bit to spare (hopefully with the interest) and you own your car outright, no finance.
Girl I work with has bought a BMW One on the lease thing. She is paying almost £300 a month for 4 years, and then she has to find the balance of £8k - to buy a 4 year old car, in my mind after having a car for 4 years you would be wanting a change for something a bit newer.