5 year used to be the standard long-term loan. These days, 6,7 and even 8 years aren't uncommon. That $60k truck probably ends up costing $100k by then.
Yeah, you can find 0% up to 72 months, but you wont get all the rebates along with it. Some times you save more money taking the 1.9 percent finance and all the rebates, then just paying it off as quickly as possible. My friends do this but they have the money to pay it off within a couple months.