If so, then take personal loan. But not cheap to pay 10k for one year.

Around RM900 per month. Do you have the money?

The problem i see here is you might have spent the last cents for the car.

For your information, you must have at least 3-6 months as reserve fund, if anything happens. Spending the last cent is very dangerous. If so, better get a credit card with cash advance facility. Many things can happen which needs you to spend urgent money.

Although your aim is not to take debt, but not everyone has the luxurious to do so. If it is really the case, the 2nd option might be better to get 4 years car loan..

One more thing: I observe that you have spent your last cent; after that you said you are tight for one year..

are you sure you can live in this type of tight and zero financial status? I think you better take car loan. Personal loan is not worth it.

one more thing: dun underestimate the money needed to keep your car running.. It might be RM300-600.