I disagree with this. If you can afford monthly payments, then you can afford the car.
My arguement is based on buying a car for that price, when you could have a better one for the same price.
I have bought 4 cars on finance, all spread over 4 years.
Although granted, I negotiated 0%-2% interest on them all.
True, maybe it is just that taking 4 years to pay off a car that is already 5 years old isn't something I would personally do