I drive a 2000 Pontiac Bonneville ssei and/or a 1996 Ford Explorer.  Both long ago paid for! 

 

I've never lasted more than 18 mos with  a car payment.  They drive me nuts!   Needless to say I've never bought nor will I ever buy a brand new car.  I cannot stomach the depreciation either!!

 

 

atlast...outstanding work on your scores!!