5% where does that these days unless credit cards . Don't for get set up fees an all there jargon added extras an warrantys they add on to it small print . My 2 cent would be take your 2k an buy a car out right, never spent that much on drip on wheels just pure nuts, you loose a job etc an carn't keep up repayments you loose it , I'm not saying you will but it's called playing safe thinking ahead. but good luck if you do get the car . Try this site https://www.carloan4u.co.uk/car-finance-calculator/