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The loan will, however, will only be good for 3 months. Only time will tell if 3 months will be enough time for the companies to get back on their feet. People in the market for a new car, on the other hand, can benefit from some fantastic discounts being offered right now. Many consumers are plugging their information into an auto loan calculator to see if buying now makes sense for them. Paying via cash or loan is the first decision for most people buying a new car.