IMHO no, if youcant afford to buy it with cash, dont buy it
look at it this way, you buy the car for £13800, you removed it from the forecourt, its involved in an accident, you get £11000 (give or take a few £) for the write-off, youre then left to pay circa £3k for a car that doesnt exist
finance is not worth it, its all debt, can you guarantee your future for 5 years?