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I was shocked... My wife totalled my car 3 weeks ago. It was a 2013, but it was paid for.
I was COMPLETELY unprepared to go shopping for a car and I'm really not interested in having a car payment again.
So $12,000 down thanks to the insurance payment, even financing a small amount through my credit union and having an 800 credit score was getting rates in the 7-8% range. I saw some silliness and nonsense of 12.25%. On a CAR loan.
Called in some markers so I'll be able to pay the rest in cash.
My current car is 14 years old and fully paid off, but likely won't survive for much longer. I really want an electric car, but the prices on these are beyond what I can afford. So I looked at hybrid cars and even these were going to be extremely pricey. Finally, I looked at some regular gas cars, but even those would stretch my budget to the breaking point.
If my current car goes, I'll need to buy another one, but I'm not sure how I'll afford it.
Your situation is your own, but I was able to lease a phev for less than what I was paying for gas + maintenance on a car I had paid off. It may not be exactly what you want, but lease deals still come around occasionally.