

Even in Europe it is quite difficult to find a new car for less than 20,000€. If you need a car because you just found a job which is far and you need to ride to get there, taking a loan is your only option.
I guess you can buy a used car, but likely you can not apply to a loan for that and definitely the loan will not cover the necessary repairs to get it to a working state.
Yes. In Italy train travel, and especially bus travel, is still somewhat affordable. In most other places you feel just stupid in paying 100€ to cross 300 kilometres when you can go much farther with 30€ on a plane…