One option for payment on a vehicle is upfront and in full. But most who don't have the money upfront are given financing options. With special financing, your loan is risk based. Meaning that the terms of the loan are set so that the expected returns to the lender/investor are great enough to cover the risk of default by the borrower.
With special financing it is important that the borrow maintains good standing with their payments and always stays on top of communication in the event of a late payment. Lenders have a higher rate on interest due to the risk they take when approving loans. Each loan is individually determined based from person to person and is a secure way of borrowing money for a car.