I'm currently on my 4th car since I've owned the cars I've been driving. I've always bought outright or at most got a bank car loan for a fraction of the car's cost. This has always limited me to a £4-5k car. I've had really good cars doing that but now with a family and wanting to get something more means we're looking at a credit deal. Before we go shopping for vehicles, what do i need to know? The reason we're looking at it is because we want to get either a campervan or a van we could convert over time. It's a one vehicle for day to day plus weekends and main holidays throughout the year. Not formalized our plans. Either a van to turn into a day van or a proper campervan. We can't afford to buy outright. I know people on less money than us getting new audis on credit. Even Mercedes coupes. One friend always v did what I did but for a more expensive car. He got a very good deal through Audi main dealer that worked out so much cheaper that he could get for a year old car. Whilst i hate debt (mortgage is my only debt apart from student loan) it's still an option. I just need to know what are the best options and how to go about it. Any advice?