How to get the lowest 84 Month Auto Finance Loan Interest Rate?

Pay no attention to the online payment calculators on the dealer's websites. 

And, there is no such thing as "low interest loans" on 84 months. If you're putting down a large amount, and trying to pay it off sooner, why in the world are you wanting to go 84 months? The better interest rates are ALWAYS going to be on the shorter loans. 

Credit unions and local banks typically have the lowest auto loan interest rates.

 However 84 month loans are going to have higher interest rates than shorter loans, and you'll be paying a ton of interest -- and you'll be "upside down" for almost the entire time, which will cause you problems if you want to sell, trade, or if your vehicle gets totaled in an accident (insurance pays the car's value, not the larger amount that you'll still owe at the time).

Furthermore, you can't get an 84 month loan on just any car, even if the lender offers it (many don't). If it's not a brand new or almost new car, lenders don't want to still be owed money when the car is 7 years older and near the end of its life.

In summary, 84 month loans are not very smart.

If you borrow over 7 years you'll be paying more in interest than if you paid a higher interest rate over a shorter term.