I fully agree with you. I had to buy a bigger car at some point (kids), and had no choice to take a loan. My previous car, that was roughly ok in term of size (even with kids) was a cheap used car fell suddenly apart. The price to repair it was more than half the price I originally bought the car 9 years earlier (so that I didn't fix it).

So trust me, I would have avoided to get a loan, but sometimes, you can't. I was lucky enough to negotiate a very nice interest rate of 2% so that at the end, it didn't cost me too much... :)