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OP, I'd do the math on 0.9 vs. what interest rate you'd get at 72 months. Even at Tier 1+ (720+ FICO) you're looking at >5% through TMFS, and much more interest over the life of the loan. You may want to stretch for the slightly higher payment on the five year loan and save yourself some trouble down the road (and having year six being car payments while it's out of powertrain warranty).
Also: Hot Lava? Excellent choice.
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