I finally paid the car off yesterday! Took far longer than I hoped, but I am glad I finally own it outright. The car is a 2008 Scion xB with 100,000 miles on it now… I originally leased it (3-year) back in 2007 before I started college to get a lower payment as I needed a new car and didn’t want to buy anything used (reliability was a big attraction as well with a new car). At the end of the lease, I purchased it. The credit union I financed it at defaults to a 7-year lease which was nice at the time, as payment stayed low <$200 while I was in school and not making that much money. It was also a pain though, as it was hard to build up money to pay it off earlier with paying off my schooling at the same time. In the end, far too long to pay off… Since I recently graduated and have worked full time this past year, I finally have been able to save up the last few thousand to pay it off a year and a half ‘early’ since my schooling is completely paid off as well. I have no debt at all to my name, which is a great feeling. I can more quickly save up for my future house and such and build up some bank. It took a few years longer than I wanted to pay off the car, but not having student loans and such is a good tradeoff compared to many of my friends who have $20,000 or more. As far as the car goes, it really has been incredible for me. Being 6’6”, it has so much room and is extremely comfortable for me to drive. I have done some mods to it over the years such as lowering it with stiffer springs, cold-air intake, adding rear/front sway bars and upgraded rims/tires for summer… Along with having dedicated winter tires on my stock steelies for winter. Summer or winter the car handles so nicely! Maintenance wise, no out-of-warranty repairs required so far aside from basic wear/tear which I have done myself… Fluids, brakes, filters, etc… I did have an airbag harness issue a few years ago which Toyota covered outside of my warranty period… Aside from that, nothing at all. No desire to get rid of the car anytime soon to upgrade… Nothing appeals to me these days. I hope they continue to produce the xB, as I would love to get another when the time comes. Hoping to put on another 50-100K on my xB before I get another.