<prompt> Human: I see the standard is 60 or 5 years but I also see some for 72 and 84 months. Is it harder to get 72-84 month terms?If you get a shorter term, can you get a better interest rate?What happens if I have an loan term, but then I decide I dont want the car anymore or want to upgrade?Right now I am looking at a 2016 Nissan Altima and the 84 month term is about 180 dollars if I put a 4k down paymentHowever if I decide I dont want the car after 4 years for example, what are my options?Assistant: Good option is leasing if you are unsure. Payments are low for 3 years and typically doesnt require down payment. Then at the end if you really like the car you can buy the car for 50-60 of the msrp.Otherwise a 72-80 month long term loan is only good for the initial low payments as interest is generally higher and you will spend more money in the long haul. Plus just imagine having a loan on a car that is 7 years old. I would stick with a shorter loan. Otherwise to be honest if you buy a 8 or 9 year old used car with low miles you are pretty safe that there wont be problem in the near future and you can probably buy outright if you find a car at the right price.In any case if you do decide to finance a new car, shop for the best loan. After doing my research one of the best is the State Farm auto loans and you dont have to have insurance with them because they include loan deficit payoff if your car is totalled at no extra cost to you whereas the dealership will try to sell you GAP insurance which is most often times a waste of money.For example you owe 15k on the car but its only worth 12k after your insurance totals your car and cuts you a check for the 12k. You essentially owe 3k on a car you dont have anymore so the state farm loan would just take care of that balance.Also do your research on extended warranties too as they will try to sell you this. Most warranties cost 1000 to 1200 but only 55 of people who purchase warranties used them. The average amount of repairs under extended warranties costs around 800. In other words most people who used their warranty still spent more money in the long run if their car had an issue because they chose to purchase a warranty.Human: Leasing is something I considered. What kind of credit score would you need to lease a Nissan Altima though? Right now Im in the mid 600s because I paid off a bunch of my debt. Ive been building up my credit with credit card payments. That being said, I dont intend on leasing until next year anyway maybe in the Summer time. I drive a 2010 Corolla LE which has maybe 62K miles on it, since I dont drive very much Im not too worried about the lease mileage limit.  <response>: Why are you buying a car if you have one already? 