37-60 Month Term Auto Loans

Getting an auto loan is an incredibly important financial responsibility.  It is probably one of the most important financial decisions you will make, next to buying a home.  If you do not choose the correct auto loan and handle it correctly, your credit score will be aversely affected. If you damage your credit, you will have trouble getting any loan you may need in the future. Read further to find out if the 37-60 Month Term Car Loan is right for you.

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Anatomy of a 37-60 Month Term Car Loan

The 37-60 Month Term Loan is considered a medium-term auto loan.  The following are a few characteristics that describe the 37-60 Month Term Car Loan.

  • For the record, 37-60 months is equivalent to 3-5 years.
  • Monthly payments for the 37-60 Month Loan will be fairly average.  Since they will be stretched out over three to five years, they will be what most people consider to be manageable payments.  If you choose a longer term for your loan, your monthly payments will be lower.
  • Right now interest rates for this term are about 6.25%-8.50%, depending on the type of loan you get.

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Short, Medium, or Long Term Auto Loans

The best question you can ask yourself when choosing between a short, medium, or long  term auto loan is this: what kind of financial situation am I in?  If you can afford to make large monthly payments, go short.  If you need smaller monthly payments, go long.  If your monthly budget is fairly average, then consider a medium term loan, such as the 37-60 Month Term Car Loan.

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* Auto Loan Center is not an auto loan lender or broker, but provides information about auto loan products and lenders. Not all products and services are available in all states.

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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