Originally Posted by UNKNOWN_370

When I negotiated my loan... that's how I got it. The rate was 17:90 per $1000 the 3 year loan was $20.9p per $1000. The difference in interest was :09 percent which was a difference of only a few bucks. The finance charge savings added up to more than the interest savings going longer if I paid double. If I would pay in the normal amount of time of a 6 year loan I would pay more, but since I'm knocking it out in half I'm paying less.
You forgot that I'm paying my 6 in 3. Ur the one being dumb because, you're making comments and not seeing the whole pic.

Some one on a 3 year loan pays a few dollars more per month in finance and marginally lesss in interest. What kills the 6 year loan is time, not rate. Interest raked marginally higher finance charges a few lower. Knock it out in half the time and you can the overages of both loans.