Bingo! This is the reason for the 10–year car loans. It's so greedy dealers can keep adding tens of thousands of dollars to the MSRP. Remember we had the stories about the $50K vehicles going for $90K with dealer markup?Of course! There is no way adding $10-20K on top of MSRP and having $50K cars for average income folks wasn't going to lead to this.
If the dealers are the ones to arrange financing through shady lenders as their used-car counterparts do, they get to keep adding big markups.