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How long can you make a car loan term?

I want to stretch out my car loan term, so I pay as little as possible every month. How long can I realistically make my car loan term?

avatar
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Car loans come in many different shapes and sizes, and they’re only limited by what you and your lender can agree on! That being said, *standard car loan terms typically come in 12-month increments.
The most common term periods for car loans are 24, 36, 48, 60, 72, or 84 months—but longer terms may not always be better! Longer-term loans usually include higher interest rates to compensate for the
long repayment period
.
Alternatively, shorter-term loans will usually include lower insurance rates but higher monthly payments. Depending on your situation, you may actually save money by taking out a short-term loan!
If you’re worried about making your monthly payments, start saving on car insurance with
Jerry
. A licensed broker, the Jerry app can help you compare personalized quotes from over 50 top providers like Progressive and Nationwide for free. When you find a better plan, Jerry can help you buy your new coverage and even help cancel your old policy!
MORE:
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