I hate loans and financing, the whole thing is a scam but those that live paycheck to paycheck don't always have the means. If you don't use credit, you're also at a disadvantage. I took a car loan in 2019 when I was 9 months pregnant because we live in a rural area and I couldn't get to my doctor's appointments. I was desperate. I wound up paying $23,000 for a car that was $9,000 on the lot. My husband just bought a new truck, instead of saving for the down payment, he added onto a loan he already had. Now we are paying $330 per month on the loan plus $400 on the truck, plus $600 for the car that still hasn't been paid off. We make good money but bills literally eat our paychecks.