[jcommin]

I just bought a car and got a loan to finance it, I haven't had a car loan in over 20 years so I needed to educate myself. I do belong to a credit union and they gave me rates for 24, 36 and 48 months. I brought the car from a dealer and the dealer had the same rates. I went with the dealer - I will pay the loan off early - simple interest with no penalty for paying off early.

There is more information on line to view rates, calculate payments, car pricing, etc. I had no surprises when doing the deal.