September 2003, I purchased my 2000 Civic Si for $16k (overpriced, I know)... I paid that down some at $300 a month. August 2005, I refinanced it for a lesser APR and added the balance from a credit card to the payment, at $12,351.55. Dropped my payments down to $245. Today, April 2010. With a mere $709.73 left, I'm a mere three payments of 236.58 away from having that damned title in my hands. Words cannot describe how happy I will be without a car payment... finally.