The biggest issue with both 72 & 84 month loans is that average vehicle depreciation puts you at 50% value at between 4 and 5 years out. With both loans you are upside down for a minimum of 3 years to ~ 4.5. This means you are locked in to your current loan, interest. and payments for 4-5 years, unless you save or inherit money. With a shorter loan or money down you could maybe refinance in 2-3 years. Just know you are making a 4-5 year commitment.
