Virtually any expert will tell you that a 72-month car loan is hardly ever a good idea. The reason has to do with the natural way that auto loans work over time, with interest that is compounded using a specific interest rate. Keeping the interest rate low is one way to make sure you can pay off a car loan, but keeping the loan term short is critical for making sure you don't end up paying much more than what the vehicle was worth.
To fully understand what you will be paying, look at what the APR is, how it is compounded, and how much of each payment goes toward the principal, or the original loan amount. The rest of the payment goes toward paying off the interest. If you sign off on splitting a short term loan, like a 24-month loan into a 72-month loan, there's a high chance of paying much more than the vehicle is worth.
The long-term car loan is also bad if you would have otherwise been able to resell the vehicle at a future time and recoup value. Instead, the value of the vehicle will decline, while the amount owed will not decrease as quickly. This leads to the potential for you to be underwater on a car loan, in other words, owing more than a vehicle is worth. Eventually the vehicle can wear out, or experience engine or transmission issues not worth fixing, you can be left with only the payments on the car.
Instead, work the other way, and make every effort to pay as much of an auto loan up front as possible. A large down payment is one sure-fire solution for controlling the eventual costs of an auto loan. Another is to arrange for larger payments, to pay off the loan in less time. Yet another is to make sure that at loan time, the vehicle becomes the property of the borrower, with the option to re-sell it to cover the investment. In any case, it's actually a good idea to avoid the 72-month auto loan, unless there is a specific plan to be able to repay a lender.