Car finance - where you stand - What next?

Despite the gloom, there are some fantastic deals starting to come through. However, you must shop around, as personal loan rates and manufacturer deals are fluctuating quickly.

You also need to do your homework, work out exactly what you can afford and be prepared to move fast, as the very best deals don't always last long.

Finally, keep an eye on whatcar.com's hot deals in the cars for sale section for the latest information.