I haven't made a car payment since about 1988. I pay cash for used vehicles and drive them until the wheels fall off and have the junk yard haul them away. I have an '87 Volvo wagon with just short of 300,000 miles. Our Jeep has about 200,000 on it. My $200. '71 VW, which I've fixed out of pocket, is almost ready to roll so the Volvo will probably be sold cheap if I decide to keep the VW. Paid cash for my Arima also, so no payment there either.
My wife says I'm cheap but I prefer cost effective. I don't buy cheap beer however because you just have to draw the line somewhere.