I don't know why people don't like finance. You can't get a good credit rating without getting into debt...
Getting into debt when you're young is a great idea as long as you're smart enough to repay it in a timely manner.
Buy an R34 and live with a newer car every day and a good credit rating in 3 - 5 years time.
As for insurance, that's what the telephone is for... Justcars insurance 131326.