You guys dont have car loans where you have a so called fixed residual? It's very common in Sweden.
Lets say I want a 40k car with 50% fixed residual, 36 months.
Putting down 10k and then I have to pay off 10k + interest for 36 months.
After 36 months I either give the car back and we're done or I finance the 20k fixed residuals or just pay the 20k cash if possible. If used car obviously very stupid to give it back.
This is on new but also used cars, so you can also get a car that doesn't depreciate as much as a new one.
Interesting example for me is a Volvo S/V60 polestar which were 65k new in Sweden, can now be had for 32k.
32k
10k/32% down
36months
50%residual
210 dollar/month
3% interest
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