[Hehe]

The length of the financing is irrelevant.

What's important is the interest rate vs. cash discount and the final cost of ownership.

Say the company offers 72mth financing at 0.99% and only offer $1500 cash incentive for cash on a 40k car. And assuming you get a very conservative 2% return on investment through the 6yr period, it'd be stupid to NOT finance it at 72mth because the opportunity cost of paying it outright is greater than the potential saving in interest.

It's all numbers, don't get too caught up on things like "oh... it's long term finance, it must be bad because you pay a lot of interest". Crunch your numbers and see what make the most financial sense.

Without crunching the numbers properly, you can easily fell into the traps. It's same idea of "I can make your car payment to xxx/mth" and you don't care about how they manipulate the numbers.