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A short term loan like what the name suggest is given for a short period of time say 1 month or maximum of 60 days. Being short term in nature, the rate of interest on the amount so borrowed is very high. On an average, one can avail at a maximum of $1500 dollars in short term loans and not more than that.
In general, car loans are structured to offer 12-month increments and last somewhere between two and eight years. That means you'll find available loans of 24 months, 36 months, 48 months, 60 months, 72 months and 84 months. The average new car loan is around 65 months, or more than five-and-a-half years, while the average used car loan is shorter. Long-Term Drawbacks. When you're signing the paperwork at the dealer, you'll be tempted to go for a longer term.