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Basically the situation is on my 1st car payment, I paid 2 full car payments. Then each month after that, I pay the normal amount. My car payments are 350/month on a 4 year loan. So the first month I paid 700 and now I'll just pay 350 for the rest of the life of the loan, so I'm always 1 month ahead on my payments. I'm just trying to figure out exactly how much that will save me in the long run. I know that out of that first payment 350 went to the principal, but what about the rest of my payments? Since they're each a month early, does it actually add up to a significant amount of money? or is it a waste of time?
I was told that anything I pay extra automatically goes towards the principal of the loan. And if I pay for 2 months, it extends my next due date out 2 months. So I've already double checked on that. I was also told that interest on a car loan is calculated by the amount of money left on the principal at any given time. So by paying early(even if it's just a day) you actually cut a dollar or 2 off of interest. When I called and asked my finance company they actually said by being ahead a whole month, after 12 months of being ahead like that, I can easily cut 900-1200 off of the principal. So after 3 years, you're looking at 2500-3500 less on principal which is about 1/4-1/3 of the principal amount of my loan. I basically was under the impression that it'd but anywhere from 8-12 months off my loan when it's all said and done.
It really depends on how your loan company takes extra money sent in. Some places even if you are "a month ahead" don't consider it that way...the money you sent was just "extra" that month. You also want to make sure that any extra that you pay is going straight to the principal amount and not the interest. Which you have done. With that said I don't think that you are truly a month ahead, because each month you still have interest to pay....so you can't skip a month. You would do better in my opinion by added a little here and there to your principal payment and it should make the life of your loan a little shorter. Here's a calculator that might help you figure out exactly what you want to know. Hope it helps..good luck. Bethany
NOT AT ALL . BUT CALL YOUR LOAN COMPANY AND MAKE SURE THEY ARE APPLIED CORRECTLY. SOMETIMES , WHEN YOU PAY EARLY YOU STILL, OWE FOR THE NEXT PAYMENT. NOT ALL COMPANIES ARE THAT WAY. BUT CHECK TALK TO THEM AND ASK THEM YOUR BALANCE, BETTER YET GO ONLINE AND LOG Kingwood TO YOUR LOAN , YOU CAN SEE ALL YOUR TRANSACTIONS , EVERYTHING YOU DO AND HOW PAYMENTS ARE APPLIED, , BALANCES.... CALL YOUR COMPANY FOR THAT INFO.. I DO ALL OUR LOANS ONLINE, I HAVE MANY... YOU ARE PAYING OFF A YEAR EARLIER. Kingwood YOU GO...
The short answer is 350 dollars.
You will save the dealer one month in getting his money.