If u gotta make payment u can’t afford it .. That my opinion. N I’m very glad I live by this saved me $ n has brought me $$$ . Car payment is a no for me as well. I drove a shit box that could get from point a to b .paid in full. Just insurance saved up $$ bought an ever better nicer 2023 doge charger wideboddy skat🥴 paid in full . I’m the 1st owner. If u gotta make payments u can’t afford it that’s how they get u!!! U gonna be payin that shit off way longer then u need 2 .