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Unfortunately that's not entirely true these days. Consumers are hooked on 0% financing, and it's not uncommon to see 0% for 60 months on cars, especially at the end of the model year. 0% for 72 months is starting to be pretty common for end of lifecycle,
Gotta agree that's not bad, if one can get 0% for 5 or 6 years. That just shows you how low the prime rate has also dropped.