i'm probably the minority here, but it's my opinion if you can't afford to finance it for 5 years or less you either need to wait to put a bigger DP or buy a less expensive unit. Over 5 years you end up paying way too much interest and also end up being upside down on the loan for too long imo. I finance my last unit for 5 years and traded up last August to a larger unit and had it financed for 39 months so i'll end up having it paid for close to when our last unit would have been as per our original plan. the guy at the dealership was blown away that we didn't want a "lower payment" with the longer term.....
