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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.
New Car Loans. The average length of new car loans tends to increase in times of economic hardship. The longer term allows for lower payments, which make the purchase more affordable for the buyer on a monthly basis. The average length of an auto loan stretched to 64 months according to Experian, as of 2012.