At least in the US people routinely get predatory loans for cars with super long terms to make the monthly payment lower. A base model cybertruck is “only” like $70k so at 7.3% APR and a 7 year loan you can get that down to $900 a month, which is still a lot of money but some people make bad financial decisions of this level all the time, and I would imagine the people who would buy a cubertruck are more likely to be in this group than not.
At least in the US people routinely get predatory loans for cars with super long terms to make the monthly payment lower. A base model cybertruck is “only” like $70k so at 7.3% APR and a 7 year loan you can get that down to $900 a month, which is still a lot of money but some people make bad financial decisions of this level all the time, and I would imagine the people who would buy a cubertruck are more likely to be in this group than not.