@schnolhamor I own a business, my own salary is above+++ average. Last January 2023 I bought a new proton saga. 10% downpayment, 8 year term. Used it for 10 months then I paid full settlement and sold it. Bought a used Civic early 2024. 8 year term. Now recently purchased an EV priced around 200k+. 9 yr term. Some ppl would criticised me saying its not worth it paying these cars more than 5 years, but for me I want to pay the least amount possible monthly bcs i love investing in businesses. So i saved around 2000+ monthly by not taking a 5 year loan term. Weird statement but with those 2000+ I saved by not using it on car payments i can invest on other things which is rm24k invested a year on current/new business, stocks or cryptos which brings to rm120k investments made over 5 years. But in the end I will pay full settlement for my cars after 4-5 years made from the money i invested and I wont have to pay 9 year worth of interest! Dunno if its a better way to do it, but its my way of doing it.