What do you believe about getting a term that is long loan (72 months approximately), but spending more each month than what exactly is required?

What do you believe about getting a term that is long loan (72 months approximately), but spending more each month than what exactly is required? As an example, let’s state the mandatory month-to-month repayment is $400, but we spend $600. Could you nevertheless argue that i will be better-off getting a loan for 48 months […]