Runs:

Car Purchase Price $50,000.00
Trade in Value $10,000.00
Down Payment $10,000.00
Interest Rate 3.9%
Market Gain 5.0%
Loan Duration 36 mths
Loan Amount $30,000.00
Total Owed $33,648.67
Monthly Payment $934.69

Month Took a loan Paid off car
36 $34,728.75 $36,162.32
35 $34,587.83 $35,084.69
34 $34,447.49 $34,011.44
... ... ...
2 $30,244.95 $1,873.18
1 $30,122.22 $934.69
0 $30,000.00 $0.00