That car payments are forever, yes forever so I never pay interest on a car loan or any other loan. Auto transfer money from checking to savings, and auto payment from savings. Never stop the transfer from checking to savings drive your car a couple of extra years and you have cash for your new ride.
I have expanded this to other areas like saving the money for all the extended warranty offers into the same account.
Any time I have a time payment it always come out of the savings account and I increase the amount I put into savings. I now pay cash for everything unless they have some zero interest offer.
The savings account is now a brokerage account earning a very good return from the NASDEQ, a REIT, Tesla, etc. It is doing so well I almost don't have to put more money into it and I can still pay cash for everything.