“The shortest term that is generally available for an auto loan is 24 months.
The good news is that you are not required to keep the loan for its full term. You can pay it off earlier by making extra payments, though you should first confirm that your lender does not impose a prepayment penalty.
Your best bet, as always, is to take out the smallest loan possible for the shortest term possible at the best interest rate available. This basically means getting a loan with an affordable monthly payment. Shorter-term loans have higher monthly payments, but over the life of the loan you will save more in interest. “