> Even 72, 84 months is insane. If you need to finance a car for that long to afford the payments, you need to buy a cheaper car.

Not sure I agree with that. My 72 month car loan, clearly not subprime, is 3%. I have better immediate uses for my money, I'm sure most folks can beat 3% returns over a 72 month horizon as long as your not paying 2 and 20.