It's just money and I look at car loans with the attitude of... Why save for four years (or however long it takes you) when you could have the car now by paying the same amount in repayments (or close too) as you would be putting away and saving.
My maths isn't great but I think that a 10k loan over 4 years at about 12%p.a would cost you about 2.5k in interest. That's not really close to the same amount. It's a lot more.