<prompt> Human: Reason behind getting such a long lease is to have extra money incase of an emergency. The job I have now pays well, but its new, and Im factoring in the chance of losing that job. I could pay the car in full now, but rather than paying a huge chunk Id rather see how Im doing 1-2 years from now.This is my first car purchase, and from what Im reading interest rates may climb substantially when getting a long loan. So I guess the plan would be to get the longest term possible without seeing the huge jump in interest. What Im concerned about, is that I read where you can run into issues with loans that do not allow you to pay it off early, or youll have to pay the full amount w the totaled interests. What are things to look out for to avoid that? How can I be sure that I am getting a loan for say 60 months, that will allow me to pay it off completely say next year- should I feel comfortable enough to without the interest fees?  <response>: Four days ago you posted about severe anxiety and depression related to your job yet youve only been there 3 months. Id highly advise you give it some time before you burden yourself with this debt. This is much too expensive of a car for your income. Once that sinks in, you will have even more anxiety and depression when you realize you are now stuck with this car payment for over 5 years. 