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Although I do somewhat agree with you I think holding yourself to high payments for a shorter timeframe is risky right now. If the apr isnt that much diffrent from the 48 to 72, get the 72 and then just pay more principal every month. Then if something happens or you loose your job you have less money you HAVE to pay every month. Bad thing about financing for a long term is you will be upside down for awhile so if you have to sell, vehicle gets totalled, or want to trade you will owe money upfront. Get GAP if you finance for a long term.
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