It will be harder to find some private financer but then the chances of fraud will be higher and the terms may be even more difficult for you. It will be better if you get it financed from a bank but i would suggest to get an ijarah.
On your other points, finance is not for people who can't afford something, sure they can benefit from it but it's basically made to be easier. Putting a lot of money into a depreciating asset is, in financial terms nearly suicide. That is the reason you'll see even millionaires financing cars and property. It's just a better financial decision to finance a car instead of buying it upright.
