No, I'm one of those people who bought a car, and figured out he didn't like it a few years later.
Yes, if you pay a lot per month, it really does kill your monthly payments down. With my current loan, it started out at 500/mo, and now the requirement is down to 300/mo. It also puts you ahead on your payments. I'm 6 months ahead on my payments. If I log onto my loan account, it shows I don't need to make a payment for 6 months.
Kind of a nice buffer in this economy, to have 6 months of time on your loan.
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