I only bought one - in ‘64.
The ‘new’ wore off before the payments did.
I made payments once. It was from a Buy Here, Pay Here place and it broke down shortly before our son was born. I was lucky and had friends that were mechanics and was recommended a shop to have fix it. I fix my own stuff but was behind on the computerized vehicles. Got a great deal on the repair but meanwhile I had to buy a $200 car with no reverse and that’s what I brought my son home in.
Paying 4-5 times the actual value was already bothering me so this was enough of financing a vehicle. I learned the computerized vehicles instead.