A lot of guys here say they won't take payments on a new truck and will only pay cash. So my question is what is the difference from saving up to pay for one or just make monthly payments? Ex. For us not so rich guys. Say a new truck payment is 500.00 a month for 48 months. This gives you a truck right away. Or do you put 500.00 a month away for 48 months to pay cash for it? This for a new truck only not used.