So it's time to make the last loan payment on my 4C, purchased 6 years ago. I financed the whole thing, zero down, and left the money invested in the S&P500 index fund. Turns out after interest and loan payments calculated every year with the gain in the fund, I ended up ahead $15,363, plus the value of the car as it is now, perhaps $45K at best. So I ended up making $60K on the deal. I told my wife not only did the car pay for itself, but it paid for her car too! She's like, right.