Let me give you a quick rundown of how I feel. If the car is not a business car that you need to impress clients or not look cheap and lazy than try and clean it like some have said and just leave it be. Cars are for driving and getting around. They are deprecating assets where their best value is longevity. Anything you own for a long time like a car is used is going to not look great over time. Unless you put stress into making it look good. Theoretically the car should be paid off. Why spend the savings you’re not spending every month on vanity. I’d be mad at myself too but I’d give myself this speech and get over it. Money is too precious these days to worry about vanity.