There are three groups of people buying high-end cars that might require a 5+ year loan in the US: 1) The independently wealthy, who don't finance anyway, but p

There are three groups of people buying high-end cars that might require a 5+ year loan in the US: 1) The independently wealthy, who don't finance anyway, but pay cash (unless the manufacturer offers 0% financing - never turn down a chance to use someone else's money for free...) 2) Those who want to keep up appearances with their richer friends (often in group 1), but are financially savvy enough to lease rather than finance a loan, especially since they would not be caught dead in a five-year-old car. This is by far the largest group, and why there is (or has historically been) such huge depreciation on high end luxury/sports brands, excepting Lexus. 3) The group who really wants to fool people into thinking they have more money than they do, and actually takes the idiotic road of financing a depreciating asset in such a way that they will be perpetually "upside down" on it, and responsible for horrendous maintenance and repair bills once the warranty period is up.