Advice on buying..

Rudimental

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Hi i'v been an viewed an Audi A4 Black Edition tfsi 170, it was a stunning car only problem i saw was a 2 inch scuff on the alloy and the car needed a good cleaning, it was a 62 plate with 4000k miles and the owner never used it so it had just been on the driveway for a while, He wanted £19,500 for it but i might be ablt to get it to 19. the thing is i would have to take out a loan for £13,000 with £750 interest on it which i'm not fond of doing, i just wanted to know could i be missing out on a good deal or come this time next year if i saved would the same type of car be cheaper than that?
 

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