That could prove a serious problem for many. I'm so glad I stick with my old-fashioned "save up and buy outright" approach. My CCRV might be worth naff-all but at least I own it and can hang on to it until falls apart or I can't drive it any more.
Tim H. 1986 4/4 VVTi Sport, 2002 LR Defender, 2022 Mini Cooper SE