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How long is a standard car loan?
What is the standard length for a car loan? I’m looking at loans right now, but I’m not sure how long a loan should be. I don’t want to get a bad loan.
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The standard length for a
car loan
is between 60 and 84 months, but there are a lot of different options out there. Generally, your car loan options will be:- 36 months: three years
- 48 months: four years
- 60 months: five years
- 72 months: six years
- 84 months: seven years
Longer repayment periods will help spread out the payments, making your monthly bill lower, but they will often cost more over time. Since interest accrues on your loan, the longer it takes to repay the loan, the more you’ll owe. If you can afford a shorter repayment period, it will lower the final cost of your car loan.
To ensure you don’t get a loan with bad terms, be sure to shop around with various lenders. Every lender will offer different loan conditions and terms. By shopping around, you can find out exactly what your loan length options are and what you’d be paying.
While you’re shopping for a car loan, you’ll also want to shop for insurance for your new vehicle. Luckily, the
Jerry
app makes this easy by collecting the quotes for you! All you have to do is download the app, answer some quick questions, and choose from a comprehensive list of competitive quotes that Jerry provides. They’ll even help you sign up and cancel your old policy!View full answer
- Gregory R.
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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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