the good thing of short loan is so that when u sell the car u get back cash
unlike 10% downpayment and loan for 9 years,the first 3 years u are paying for the interest only...so as ur car depreciate and when u need to sell ur car,lets say ur car market value 0k...but u still owe bank 80k...in order to sell your car u have to settle bank another 30k