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I usually pay cash for mine, but the X5, the interest rate to take a loan was only 0.9%, so I took a loan out for it and invested the money. I don't drive all that much anymore, so they don't get a lot of miles on them, so things tend to age out versus wear out. I've not had to replace brakes on a vehicle in probably 15-years. I'm still capable of doing some of the routine maintenance myself, but depending on what it is, will let the dealer or other shop do it. Just depends.
If I was a high mileage driver, that might change my mind, but I don't tend to buy a new vehicle unless the old one either pisses me off, or there's some really compelling reason to get the new one with features I really want. It can help if you don't skimp on the new one so you don't get into the 'I wish I had x' option.
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