But if you have a super low payment @ 0%... You just make double payments here and there - my 11' civic was a 6 or 7 year loan... But I paid it off in 4 - it's more about the finance rate rather than the term...
You're like the 1% who does something like that.
Even if I had 0% for 72 I'd force myself o pay it off early. I don't want a loan or a car on my credit for 6 years. I personally think it's nuts. But that's just me