With interest rates remaining low and financing companies offering credit to more and more individuals, some consumers are taking out longer vehicle loans than ever before.According to a report from credit bureau Experian, the average new-car loan rose to 65 months during the last quarter of 2012, the highest on record. The number of buyers taking out loans ranging from 73-to-84 months shot up by 19.4%, the highest increase of any loan category. Some buyers have even taken out 97-month term loans.While those numbers sound outrageous, less than one half of one percent of ALL new car loans were longer than 85 months. According to Experian, nearly 43% of new-car loans were between 61 and 72 months and 30% were between 49 and 60 months. Another 17% of all new-car loans were for terms between 73 and 84 months.