My cars are paid for, with the exception of the wife's, she had misfortune with someone totaling out her last car, she rode the wave of 2 replacements, both new, both bought back by the dealer. Stuck her in my 13 f-150 for the last 2 years, -0- problems, she wanted a new Expedition, so I hope it's as dependable as the f-150.
I could have paid for it, I chose not to use up my rainy day fund for that, I'd rather make payments. She generally keeps cars forever, I have to pull her out of them. Me the other hand, I'm tired of them 6 months in....