Finance Your Future with 72-Month Flexibility

Industry-first interest rate buy-down lets you reduce your auto loan rate up to 3 percentage points. Lower payments, greater savings, complete control.

72
Month Terms Available
3%
Max Rate Reduction
$8,500
Average Interest Savings

Revolutionary Buy-Down Feature

Reduce your interest rate just like a mortgage. Pay upfront to save thousands over the life of your loan.

$35,000
7.5%

Choose Your Buy-Down Level

0 Points
$0 Upfront
Standard Rate
1 Point
$350 Upfront
-1.0% Rate
2 Points
$700 Upfront
-2.0% Rate
3 Points
$1,050 Upfront
-3.0% Rate
Final Interest Rate
7.5%
Monthly Payment
$577
Total Interest Savings
$0

Why Choose 72months?

Flexible terms, innovative features, and commitment to your financial success

📅

72-Month Terms

Six full years to pay off your vehicle with predictable monthly payments that fit your budget. Perfect for commercial fleets and personal vehicles alike.

💰

Interest Buy-Down

Industry-first mortgage-style buy-down option. Reduce your rate up to 3 percentage points upfront and save thousands over the loan term.

Fast Approval

Quick online application with decisions in as little as 24 hours. Get pre-approved and shop with confidence knowing your financing is secured.

🏢

Commercial & Public

Specialized financing for businesses, government entities, and public institutions. Fleet financing with flexible terms and competitive rates.

🛡️

No Hidden Fees

Transparent pricing with no prepayment penalties. What you see is what you get. No surprises, just honest auto financing.

📱

Digital Experience

Manage your loan entirely online. Make payments, track your balance, and access documents 24/7 from any device.

Real Loan Examples

See how our buy-down feature creates real savings for real customers

New SUV Purchase

Personal
Vehicle Price
$48,500
Down Payment
$8,500
Loan Amount
$40,000
Base Rate
8.5%
Buy-Down Cost
$1,200 (3pts)
Final Rate
5.5%
Monthly Payment
$659
Total Savings
$10,850

Commercial Truck

Commercial
Vehicle Price
$65,000
Down Payment
$10,000
Loan Amount
$55,000
Base Rate
7.9%
Buy-Down Cost
$1,100 (2pts)
Final Rate
5.9%
Monthly Payment
$887
Total Savings
$7,920

Used Sedan

Personal
Vehicle Price
$28,000
Down Payment
$3,000
Loan Amount
$25,000
Base Rate
9.2%
Buy-Down Cost
$500 (2pts)
Final Rate
7.2%
Monthly Payment
$401
Total Savings
$3,650

Fleet Purchase (5 Vehicles)

Commercial
Total Price
$185,000
Down Payment
$35,000
Loan Amount
$150,000
Base Rate
7.5%
Buy-Down Cost
$4,500 (3pts)
Final Rate
4.5%
Monthly Payment
$2,328
Total Savings
$32,400

Happy Customers, Better Financing

See what our clients are saying about their 72months experience

Happy customer with car keys

"The buy-down feature saved me over $8,000! I paid a bit upfront and now my monthly payments are so much more manageable. Best financing decision I've ever made."

Michael Chen

Michael Chen

SUV Owner, Delaware

Happy business owner with truck

"As a small business owner, the commercial financing options were exactly what I needed. The 72-month term gives my company the flexibility to grow without overextending."

Sarah Martinez

Sarah Martinez

Business Owner, Wilmington

Happy customer holding car keys

"The entire process was seamless. Applied online, got approved in a day, and drove off in my new truck. The digital platform made everything so easy to manage."

James Wilson

James Wilson

Truck Owner, Dover

Get In Touch

Ready to revolutionize your auto financing? Contact us today

📍

Visit Our Office

1247 Financial Boulevard
Wilmington, DE 19801

📞

Call Us

Main: (302) 555-7272
Toll Free: 1-800-72MONTH

✉️

Email

info@72months.com
support@72months.com

🕒

Business Hours

Monday - Friday: 8:00 AM - 7:00 PM
Saturday: 9:00 AM - 5:00 PM
Sunday: Closed