All of these people saying $3500 is not enough are crazy in my opinion. My old college roommate, whom is now a psychologist, STILL TO THIS DAY drives the same 1990 something Toyota Camry. Never had any issues with it. I think he had $1000 in the car, before it got hit. The people paid him out for the damage and he pocketed it, leaving him with negative money in the car, let alone a car payment.

​

TLDR: If you really want to avoid car payments (I am right there with you and applaud that), there are options out here. The first few responses I read did not give me much hope that message was being conveyed and I KNOW it definitely very possible. Goodluck with your search. ALSOOOO.. if you are willing to pay cash, why use the dealership? I would check out facebook marketplace and craigslist and wait for a good deal to pop up, heck maybe its a car for $4200 that you get them to agree to $3500 on.. A dealership is going to sell you on the opposite.. a $2750 car they sold you for $3500 + silly fees. I would avoid that if it was up to me.