You are stuck with it for that whole term though. You'll be upside down on it immediately, and your loan principal won't catch up to the residual value of the c

You are stuck with it for that whole term though. You'll be upside down on it immediately, and your loan principal won't catch up to the residual value of the car for 5-6 years with a loan that long. That means you can't easily trade it in for another one, and any kind of financial hardship is more likely to result in repossession.