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10. They’ll Do Whatever It Takes to Get the Monthly Payment Within Your Range. If you have ever shopped for a car, one of the first things a salesperson asks you is “what is your monthly budget?” While most people are looking for a loan for 60 months, the best way for the dealership to get you in a car would be to extend the loan for several months. So instead of paying for your car monthly for five years, you are instead paying for five years and three months. That is more interest you are being charged over time and more money out of your pocket.