Try a smaller or newer local lending institution. I got my loan a small local bank and they were more than happy to meet my need on the loan. They will work harder to get your business. The bank I deal with everyday would only go 36 months, but I prefered to have 42 (just to lower my obligation). I called this other bank, which I have had other dealings with and he (the bank president) approves my loan with a great rate. Just a few weeks ago I got a wild idea of maybe purchasing another DeLorean. I go see the bank president and he tells me to just pick one out and get him the VIN and he would handle the rest. Of course I make my payments on time and always pay extra on the principle so that may be why a 2nd car loan was soo easy to get. Aaron Posey