my runner almost has 200k on it and it runs beautiful, except it needs some a/c, shocks, brakes, and some goodies from me

lol.
bad thing- my runner is my daily driver

but its only around town and the 'rare' occasional beach/camping trip
yesterday it rained soo hard here and in california it doesnt rain hard at all!
i went through a 2 1/2 foot puddle and sprayed up water everywhere! it was soo great! i wish i took a pic.
is a loan from the bank cheaper than getting financing if you have good credit?
if so, ill have to check into that one.