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Repair or buy new?
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(except air quality and Medical Science
Particularly if you can reduce what you borrow to the minimum.
Dacia don't do discounts, so shopping around the likes of Carwow isn't going to throw up any mega deals, but you have the Clio to trade in and use some of your savings towards a deposit.
Say if you could round up your trade in with some savings (what you'd pay on on repairs) to around £3500.
You'd need to find 36 monthly payments of £120.
Then either trade it in again, hand it back or settle the outstanding balloon payment of £7000.
Some of these 'faults' are trivial, i.e new tyres and exhaust. They are consumables, and going to need replacement on any used vehicle eventually.
"Needs doing" is any work to keep the car safe and reliable - essentially so that the car "just works"
"Nice to have" is any work that just makes it nicer, but the car will "just work" just as well without. I'd put a radio fault in this group.
It is then also helpful with an older car to have some understanding of what you can do or cannot do yourself.
Finally, an understanding of risk with any work - my old Focus had a faulty LCD display for the mileage and message screen but the car "just worked" without that. I assessed changing and it looked like a repair my Nephew could do, but we both decided against as the risk was, if we messed up, we'd leave the car not working (risk of affecting the CPU).
Vocational freedom has arrived
Ask any motor trader who buys from auction
(except air quality and Medical Science
the engine is knackered and needs replacing
amongst this needs £200 of work to get it through MOT
this will certainly be a life lesson to look after my next car!