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beach123 wrote:I AM so glad I just saw this...I was just going to pay off my car!SO, what/how do you recommend? That will only keep it open for one month - should I pay it down to where there may be $200 remaining???THANKS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
SanFranMatt wrote:
beach123 wrote:I AM so glad I just saw this...I was just going to pay off my car!SO, what/how do you recommend? That will only keep it open for one month - should I pay it down to where there may be $200 remaining???THANKS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!When my GF pre-paid $5K last month, her statement said "next paid due December 2008".Her last payment is supposed to be on December 2009. So if she pays down everything except the $100, then she can just pay that down two years from now (and not make any interim payments). She'd just have the interest accumulate on the $100.No. If you miss your next payment you'll be charged a late fee. Most auto companies will allow you to pay up to 3 months max in advance. Remember keeping your account open when the company is not generating money from it is not worthwile for the company. Since the 5 k has already been paid, all there is to do is to make the last payment in Dec. Besides the auto loan info will still stay on your credit report for 10yrs after its paid off.
Takunda1 wrote:No. If you miss your next payment you'll be charged a late fee. Most auto companies will allow you to pay up to 3 months max in advance. Remember keeping your account open when the company is not generating money from it is not worthwile for the company. Since the 5 k has already been paid, all there is to do is to make the last payment in Dec. Besides the auto loan info will still stay on your credit report for 10yrs after its paid off.