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I actually do 72 month loans on all my cars, if I can get the same rate. But I usually put 50% down. I just want enough in my savings that if I lost my job I'm not in a really bad spot. In general interest rates are more important than the term (length) of the loan. Having a loan outstanding isn't irresponsible unless you are leveraged up and have no savings. Also having a car loan on record drives up your credit score.
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