Hi Everyone

I am in the market to purchase a new car in the coming months and was looking for advice on the best way to pay for it. Unfortunately, I do not have £10k sitting in the bank to pay for one so I have to source the funds from another means. The options are as follows:

1. Car Finance Package over 4 yrs

2. Bank Loan over the same term

3. Credit Card

I can afford between £250-£300 p/month for this but was wondering what is the cheapest/most cost effective way of doing this. I am sure it has been asked before but for my own sake I am asking again. I appreciate there are a number of variables within the calculation list but lets keep it simple by saying I have a fixed amount to spend each month for a period of 4yrs, lets say £275 p/month with no deposit and £10k to spend via credit. Answers welcomed please...

Thanks

John