I could afford it outright
Then buy it outright. Unless you get finance on 0% then you will be out of pocket. The interest rate on your borrowing will be higher than the interest rate on your savings meaning you will be losing out.
Well then just save up for 2-3 months and get a bit extra then pay outright pal
Personally, if I couldn't afford a relatively "cheap" car without having to finance it, then I wouldn't be buying said car.
This place really makes we wonder some times.