Help me understand these car deals ?

You don't want to draw out the payments for 6 years. That's much too long. Find a car you can pay off in 4 years or less.

You state "lease term". This is not a lease, it is an auto loan. You should learn the difference between the two.

A 72 month car loan is really stupid .

Take an adult that's financially smart to the car dealership with you.

😉Your post is confusing .Are you buying or leasing the car ?

Rates are always higher the longer the term & the less you pay down. Sounds like he has run you through 2 different lenders. Never would you put down more & have to pay more each month unless the rates are different. You can usually pay more like they said & reduce the term, but if you do, make sure you tell them each month that you want the extra amount applied to principal. Otherwise they just reduce it off the next payment amount.. So if your payment is $300.00 & you pay $350.00 you need to tell them to apply the extra $50.00 to principal. Otherwise they just apply it, and show your next payment due as $250.00 which doesn't cause the term to reduce...l

" good with numbers please tell me your input."   You're overspending on a *want* instead of a need.  If you can't afford to pay cash or at least have a much shorter term, then you need to look at cheaper options.  

The salesman is doing exactly what car salesmen do.  They are figuring out how to structure it so that you think it works in your monthly budget.  It might, but that car is going to cost you way more than it needs to.  You mentioned 'lease' at the end.  Did you mean 'loan'?

Mia,

Please go through the Better Money Habits program through Bank of America.  It's free and was made specifically like yourself (young adults who have no financial understanding).

You can use a car loan calculator and it will tell you, what your payments are based on the cost of the full cost of the car, your interest rate and the length of the loan.

If you go with any car loan you can pay it off quicker by paying more to principle. 

However, if you had extra money to do that, why would you look at only 6 year loans?

Also, there is something wrong with your math.

- Loan amount is $14396.42 with $5K down.  At 3.9% for 6 years the payment is $225.  Over 72 months that difference will add up to about $375.

All you need to know is that if you can't afford the payments on a 36 month loan, you can't afford the vehicle.

As for what you don't think is fair - all it takes is simple math. The difference between $5k down and $1,800 down is $3,200. The difference in payment of $45 x 72 months is $3,240. A difference of only $40. So the interest on that extra $3,200 you are borrowing because you are putting less down is $40. That's unfair?