I’d love to not have a car payment, but I prefer to drive a reliable, newer vehicle, and 0.9% interest is about as close to free money as I’m likely to get in this economy. (Never could figure out why gas engines qualified for 0% interest, but VW could only give me 0.9% on my diesel… whatever, I’m making up the difference in fuel savings.)

I can see the appeal of paying only cash for cars, but not using credit available to you is just silly, and the rhetoric of “driving a car payment” is doubly so.