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What should the duration of your car loan be? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by providing you with interactive financial calculators and tools as well as publishing original and impartial content. We also allow users to conduct research and compare data for free and help you make sound financial decisions. Bankrate has agreements with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this website are provided by companies who pay us. This compensation can affect the way and when products are featured on the site, such as such things as the sequence in which they appear within the listing categories, except where prohibited by law. Our loans, mortgages,, and other home loan products. However, this compensation will not influence the information we provide, or the reviews that appear on this website. We do not cover the vast array of companies or financial offerings that could be accessible to you.



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4 minutes read. Published August 19, 2022
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This article was generated with the help of automation technology, and then edited and fact-checked by an editor from our editorial staff.







The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to take control of their finances through providing clear, well-researched information that breaks down complicated topics into bite-sized pieces.







Reviewed by Mark Kantrowtziz Reviewed by Nationally acknowledged expert on student financial aid

Mark Kantrowitz is an expert on student financial aid, the FAFSA, scholarships, 529 plans, education tax benefits and student loans.









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The length of your vehicle's financing is the most important thing to consider when it comes to picking the perfect auto loan. A longer loan term will lower your monthly payments however you'll pay more in interest over the life of your loan. A shorter loan term means you will pay less interest overall, but your monthly installments will be higher. What is the best term length when deciding on the length of your car loan be sure to consider your loan term with respect to the value of the vehicle and the financial circumstances of your. A longer loan period will reduce the monthly cost however it may not be the best solution for those who can pay for a larger loan amount or are willing to pay for purchasing a car that is less costly. Bankrate tip: It is essential to look at your budget and both the transaction and the upkeep -- before purchasing the car. Get for an auto loan from your credit union or bank before you shop for a vehicle. To find the ideal duration for your car loan take these steps: Establish your budget. This should be your monthly budget as well as the amount you'd like to pay for the car it self. Be aware of the possibility that your situation will change, and factor that in. Make sure you are prequalified with three lenders. A little research can assist you in getting the lowest interest rate. The local credit union may allow you lower payments, particularly if you have an existing relationship. Check the total amount of rates of interest. Consider your prequalification results and then plug them into the calculator to determine the amount you'll have to pay per month, and the amount of interest you'd be paying in total. Make a decision. Take into consideration both the monthly installment and the overall price when deciding which loan term is best suited for your needs. The long-term loan is more expensive than the short-term loans While a long loan can allow you to purchase a more costly vehicle, it does mean greater interest over a longer period. Therefore, even while the monthly payments will be lower, the overall price will be higher. The shorter loan is, on the contrary hand, offers lower interest, but a higher cost per month. When your spending plan isn't on, or you notice a sudden shift of your earnings, then you could find yourself struggling with the payments. There's no one perfect loan length that is suitable for all drivers, therefore, you should consider the advantages and drawbacks of each before signing off on your next vehicle. Benefits and drawbacks of the long-term car loan A is a great option for those who's budget can't afford a larger monthly payment. Since your monthly payment will be less, it might also allow you to pay for a higher-priced vehicle. However, with a longer auto loan, you will pay higher interest in the long run. A longer-term loan can also increase the chance of being caught in the middle of your loan or having to pay more than the car is worth. This scenario can make trading in or selling the vehicle more difficult. Advantages and disadvantages of the short-term auto loan When long-term auto loans could result in an over amount of interest, a shorter term means less interest paid overall. It also means that the car will be available even sooner. Additionally, cars are upgraded vehicles are sold at a faster rate over the initial five years, which means it's unlikely that you'll end up paying more than the car is worth over a long time. If your budget is tight taking out an immediate loan is not a wise choice. This is particularly true if you don't have an enormous . To avoid this, keep away from costly cars that may strain your budget. There are many reasons to think about a less loan period There are many reasons to sign off on a shorter loan. It will allow you to pay off your loan sooner, meaning you can take full advantage of the vehicle you've bought and won't be left with the burden of a huge loan that you have to repay. Be aware of these important factors when you decide on the duration of the loan. Fewer years to pay A longer loan term could mean making payments over five to seven years. A shorter, two- to four-year loan will put you in the full ownership of your vehicle much earlier that means you'll be able to get the cash back into your monthly budget , and you can make use of it to pay down high-interest debts or to save. It's less likely that you'll be upside down in your loan If you need to sell or upgrade your vehicle then you'll be more flexible in making the switch. You likely won't have an unsustainable balance over what your car's value which makes it much easier to swap out to get another vehicle. A higher resale value the lower risk of being over-paying on your loan and getting your car paid off earlier is a sign that it's more valuable when you're finished the payment. So if your financial situation alters and you're forced to upgrade -or just desire a change -- you'll get more for it than if you were to wait for five or 7 years. The bottom line It's important to think about the amount of car you can actually afford. In addition to the overall price of the loan take into consideration how much you can put into your car every month -- including gas and insurance. A shorter loan might not always be an alternative for you to buy the vehicle of your dreams. If a comparable car is cheaper and could prevent you from taking out the longer-term loan, it may be worth the sacrifice. Whether you opt for the shorter or longer term ensure that you obtain the best price possible. Learn more


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Written by

This article was written using automation technology and thoroughly checked for accuracy and editing by an editor from our editorial team.



Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to take control of their finances with clear, well-researched information that breaks down otherwise complex topics into manageable bites.






Auto loans editor


Reviewed by Mark Kantrowtziz Reviewed by Nationally recognized student financial aid expert

Mark Kantrowitz is an expert on financial aid for students, the FAFSA as well as 529 plans, scholarships as well as tax benefits for education and student loans.






Nationally acknowledged expert in student financial aid




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