Bad credit car loan terms vary depending on the severity and age of the credit impairment. Therefore, loan terms can be from 1 year up to 84 months with the most preferred loan term at 60 months. Obviously, the shorter the loan term, the higher the repayment, so we find most loan terms range from 36-60 months. Although, the age of the car can have an effect on the loan term. As a result, lenders in some circumstances don’t like the cars older than 10 years at the end of the loan term.