30-36 Month Term Auto Loans

Buying a car is probably the most expensive financial venture you will ever embark on, second only to buying a home.  Therefore, you want to make sure you get a loan that works for you.  We recommend taking a look at the 30-36 Month Term Loan.  It can be a very helpful financial tool that can make your dream of buying a new car a reality.  In fact, we can help you apply for one.

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Anatomy of a 30-36 Month Term Car Loan

The 30-36 Month Term Loan is considered a short term auto loan. The following are a few characteristics unique to the 30-36 Month Term Auto Loan:

  • For the record, 30-36 months is the same as 2.5-3 years.
  • Monthly payments for the 30-36 month loan will be a little on the high side.  This only makes sense.  The loan amount you need for your car will be the same regardless of the payment plan you choose.  If you choose a shorter payment plan, you will have less time to pay off your loan, so you will have to make larger payments.

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  • The good news is that you will end up paying less in interest because you have a shorter amount of time to pay.
  • The interest rates for this loan are generally the lowest of all terms.

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Current Rates


36 month new car:
60 month new car:
48 month used car:


Rates vary depending on your credit and the lender

Updated: January 2014

Source: Uehara Index