I don't have payments. I paid $900 for my car. I have no job at the moment because dealerships are a bunch of cockbites. I have to pay $900 a semester for school and this and that bill so yeah, exhaust is not a priority at the moment If I can get a job soon and keep my opinions to myself or find a job where i don't have to then I'll put some more stuff into my car like the turbo setup that's waiting