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Is a 48-month car loan too long or too short?

Is a 48 or 60-month loan ok or should I go with a 36-month loan? I am looking over my car loan options. While I did qualify for a good interest rate, the payments at 36 and 48-months still seem a bit high.

Johnny Puckett · Updated on Feb 24, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

“If you can afford it, go with 36-months. If not you could go with a longer loan, but know that you will likely pay more for the car than what it is worth.

If you do go with a 48 or 60-month loan, you should pay extra whenever you can. This will help you pay off the loan early which will save you money in the long run.

Avoid a

72-month car loan

at all costs if you can.

Another way to save money is to pay as large of a

as possible.”

MORE:

Is It Better to Lease or Buy a Car?

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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