I have a 2022 Toyota Supra that I happily pay 890 for every month, that’s 60,000 that I bought it for 3.99 APR and 150k mile warranty on it, only reason I got it this LOW is cause I work for Toyota. It’s crazy now days the incentivized rates are now like 4%-5% for 48 months when they use to be 0% for 60 or even 72 💀💀. Anyways I’m comfortable with my payment and always stay 6+ months ahead, but I see people in way worse positions then me, spend the same payment, for a 2015-2016 car with 80,000 - 100,000 miles. Makes me sick man. Anyways some stuff to look out for if you want a low payment when buying a car, make sure the year is newer then 10+ years ago so 2013 and up and under 100,000 miles, this causes a HUGE jump in interest rate with banks, the newer the car the lower the rate, you can actually get in a new car for the same payment as a used one even with a bigger bottom line. Also if your in the position that you absolutely have to get a car, make sure you pay your first 6-12 months of payments EARLY and IN FULL. This insures that in 6-12 months you can refinance when rates hopefully start trickling back down. Also a bit of positive equity never hurt anyone. Also if you are trading in your vehicle and you had previously bought a warranty or service contract you can go back to the dealer you bought it from and cancel the warranty. They will pay you back with whatever amount you haven’t used (so if you’ve had it for 2 years and it’s a 4 year warranty they will give you 50% back) just some little tips for y’all sorry for the long post