Unfortunately some people take the 84 month route to get a payment they can manage to help them keep up with the Jones. I thought 72 was as long as it went, then out came 84 months. I am waiting on mortgage companies to just pick up car notes on 15 and 30 year terms at this point.
They might have to. Some of the higher end trucks and SUV's are going for what I bought my first house for.