I can’t remember all my past cars, but they’re mostly financed thru our credit union and I set up automatic bi-weekly payments slightly higher than the terms of the loan required, so they were always paid off early.
Current car bought new in Feb 2007, financed for 3 years at 3.5%. I could pay it off today, but since the interest is less than $5 per month now, I’ll let it run its course. It’ll be all mine in January, so I’ll have paid it off 2 months early.
Now that our daughter is out of college and off our payroll, I intend to deposit our “car payments” in savings so that when we need a replacement vehicle, we can do cash. At least that’s the plan today. If we have to replace our roof too soon, all bets are off.