We own a 2001 Toyota Lancruiser outright, and I have a company car through our business so it is a novated lease. It's a Hyundai Santa fe, I never had a loan before, but needed a bigger car with the kids and felt safer with air bags, abs etc. Dh had previously had loans, but he paid then back fast. We will swap mine over at the end of the lease, we almost did it early but I love the car like BG.