Neal, it's all about the 72-, soon to be 84-month car loans, not that blather about the economy

Reported in Low Rates, Cheap Gas and Deeper Debt Sustain Car Buying Boom.  (The New York Times, 1/4/2020)

Source:  
How Long Should a Car Loan Be?  Is a 72- or 84-Month Car Loan a Bad Idea?  (Edmunds, 10/1/2019)

The most common term currently is for 72 months, with an 84-month loan not too far behind. It's been creeping up: 10 years ago, the most common new-car loan term was 60 months, followed closely by 72 months.

The American consumer:  an all-day sucker