<prompt> Human: I know this sub is massively against buying new and even more so against buying new with anything over 48 month and 20 down.My question is, what is the harm in doing a 72 month 1.9 vs a 60 month 0.9? The amount paid in interest of course but If you are buying a reliable car such as a Camry or Accord the life of the car will far exceed the financing, and be worth something at the end of the financing. People who buy these seem to keep them for greater than 7 years minimum.Am I wrong in viewing it this way? There are of course more intricacies like down payments and such.  <response>: Yes youre wrong. At 72 months at 1.9 you are paying a lot more than 0.9 for 60 months. Doesnt matter how long you are going to keep it. Youll still pay more. 