I don't do vehicle payments. Don't buy a truck very often. My '09 Tacoma will be 13 years old this coming August 30th. It was paid for when they put my license plates on it. Since then I put money in a 6 month CD at the bank every month. Some months more, some months less, but always transfer money into it monthly. When truck replacement time rolls around I'll be all set. I better be because with a truck that old, which currently has 262K miles on it, ain't gonna get me diddley squat for trade-in value. At least I got my money's worth out of it.