On loan, im not sure about it but for what i heard & experience, if u go personally, the bank will give u 1000 of excuse & the loan amount maybe low (also depend on your document).But if u try to use used car, that one i think a lil bit high the amount of loan..dunno lahh..
(Now I lepak with a certain skyline gang. They are super-drivers, terrorizing Federal Hiway, Genting and Lukut. So I'm feeling a bit insecure because I'm a grandma-type driver...