For a consumer who wants one, it's not that hard to find. People get their hearts set on a car and then try to find a way to afford it. Dealers and lenders are more than willing to help. A dealer wants you to buy a more expensive car and lenders like longer terms because of the additional interest. It's not a hard sell.
Dealers simply direct a shopper's attention to the monthly payment.
Then, the car that might bust a budget with payments over three years seems quite manageable when spread out over five or six years. The same holds true for used car loans. To get more car and a lower monthly payment, you just need to lengthen that term. The sum of the payments will be significantly higher. But most people don't care about that.