Let’s not forget what happened in 2008 …

“Losing a few more percentage points of market share in the midst of the worst recession in 75 years” is a pretty far cry from “immediately all but disappear off the road”

To be fair, look at the big drop that trucks had in sales from 2007 to 2008. All the big trucks saw a much larger decrease in volumes than other top 10 best selling vehicles...

A better year to check is 2009—2008: 500k F150s sold (1st place), 2009: 280k (3rd place—lost to Accord and Camry)

I do not think it is any stretch of the imagination that today’s hulking pickups would immediately all-but disappear off the road if we hiked up the gas tax.

In 2012 I bought a Ram at 0% for 84 months. Now almost ten years later and over 200,000 miles, I’m still the most satisfied ever with a vehicle in my close to fifty years of driving.

If financially feasible, match your term to the warranty period. Once paid off continue to make “payments” to a savings account for two things: repairs and maintenance, and/or down payment for your next vehicle. For high repair cost vehicles, once the first major out of pocket repair comes up, fix the vehicle and…

I am now going to buy the Bronco I want

I'd consider an 84 month loan at 0 percent, then just add in extra payment on top of my monthly minimum. 

To get that zero percent APR, though, you had to have good credit. This is no longer the case.

We typically drive our cars into the ground, as in own them for 12+ years, and also usually have a pretty hefty down payment when we buy, something in the 25% or more range of the price of the car, significantly eliminating any sort of upside down issue in the unlikely event it gets totaled before paid off.

If they are…

Woof. Not joining the borrowing money debate in the comments because my own ideas about debt have shifted every which way in the last five years, so I’m not sure what I actually believe. But I can say with a fair degree of certainty that there will be people who get hurt by this new policy. And it will be people who…

I have terrible credit, I’m a bit dumb, and a Mustang has been my dream car in various incarnations for about the last 30 years.  As they say, "Lord give me strength" or whatever. 

When you could only count on a car to be reliable for three to five years, a seven year loan would be terrible.

Average age of US cars and light trucks is 12 years: https://ihsmarkit.com/research-analysis/average-age-of-cars-and-light-trucks-in-the-us-rises.html

You can get 20 year loans on boats now. It’s only a matter of time.

84 months at 0% is that really terrible if you plan to keep the car for 7 years? Many people do keep their cars for longer. 

0% APR on 60 months = 0$ APR on 85 months = 0 x Y=0

If you can, stick to 60 months

Definitely both Skyline GT-R R34 and Supra RZ A80