9 years is actually okay for a finance savvy person when the cash you saved is invested and you make sure the returns per annum are more than the interest of the loan, at the end of the tenure you use whatever you generated to pay off the car or used in an emergency.

Then again how many Malaysians here are financial savvy

but at the end of the day the car is yours. You pay for 9 years and end up asset less?

And owe your entire life to the banks. Seems silly tbh. I paid my car loan off and it's the best feeling ever and whatever money saved from that I can comfortably repair anything that spoils in my 12 years old car