[Xtianh]

So I spent some time recently shopping around for car loan rates, and generally I found that at most credit unions, you can get the same rate for a 60 mo loan as you can for a 72 mo loan, but once you get to 84 months, the rate increases. I secured a 1.99% rate on a 72 month loan with a credit union in LA. That was the best I found after trying a dozen credit unions. I was in the same boat as you; could afford to pay much more, but at 2%, I'd rather invest the money I'm saving. Didn't feel like paying 2.29% for the 84 month loan, though, which is the lowest 84 mo loan I found.