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More alarmingly, Experian data show 27.5% of car shoppers are signing loans for between 73 and 84 months â thatâs from six to seven years, folks, and that category grew 17.1% from the previous year. âTo close the deal, [car dealers] need to offer a payment that is comfortable,â Weintraub says.
When financing with term lengths from 61 to 66 months, the average amount financed was $27,615 and the interest rate was 2.8%, bringing the monthly payment to $462. But when a car buyer agrees to stretch the loan to 67 to 72 months, the average amount financed was $30,001 and the interest rate more than doubled to 6.4%.