It is the amount of the loan. Thus it would be 15,000 in this case. Next month say you pay 500 dollars and 400 is towards principle (100 interest). Then it would report 14600. etc etc.
don't forget about taxes and fees, they will be added into the final amount to be paid as well. Thus looking at a 20k car and have 5k as a down payment. If their taxes and fees come to 500 then your loan amount would be 15,500.
