For some reason it is a lot easier to come up with the payment every month than it is to come up with the same amount of money to put into a savings account.
It's weird, I had no payment for 8 years and didn't manage to save a dime. Don't know where it went. I don't remember spending it and have nothing to show for it. Took on a $500/month payment on a new truck, and still have the same amount of money in my bank account at the end of the month, haven't sacrificed anything, same meager standard of living.
Got 1.6% five years ago when I bought the truck.
BTW, some articles suggest the bottom is about to fall out of the auto market. Might be good to wait a while, but your used one will lose value too.