Cash saved from working long hours. Paid cash for car and all mods. I made a decision years ago never to get credit again except a house loan. Credit cards , 6 months interest free etc are all farked IMHO. Id rather drive a 180B than owe someone for a fancy car. As for borrowing to do mods that is not a good idea at all IMHO. My mate had an R32 GTR and when the motor blew he bought a built piece of art from japan for $40,000 ......ALL ON CREDIT !! That was a very big WTF moment for me. he paid 26 for the car then that so he owed $66,000 on an R32 GTR