I hate when people do this and I know that I am guilty of it but it takes a lot of planning and consideration in order to buy a new car. Barring being able to pay completely in cash, one would either have to save money for a down payment or sell their car either as a trade-in or to a random person. Then once you have the down payment money, you can pay for the privilege of making monthly payments of $350 for the next 30 months. That's where they get you.
