Assumption : You have extra spare cash enough to pay.
If no extra spare cash, why ask  pay cash or take loan?

you want to know whether you use cash to pay car better or keep your cash to invest and take car  loan better?

1)IF car loan interest 0% sure keep our own cash and take car loan.

Car loan interest even if only 3%, you think is lower than FD rate 4%, you will regret taking car loan and keep  your spare cash in bank.

You lose, the longer the car loan duration the more you lose. That car interest 3% could be effectively 6%, and if 4% would be 7.9%.

So unless the spare cash you keep can guarantee return 10%, why take trouble take car loan, pay fees etc?

Buy car with cash! DAMN RICH!
the only 1 thing you have to take note:
Make sure you pay enuff for your KWSP. Your income must be tally with the car you paid and the amount you pay for your KWSP. Else people from KWSP will look for you! Then you will in trouble.

money given by father how? money given by grandma how? so easy escape