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Hi,
I recently maid a large extra payment on my installment loan and noticed the monthly
interest applied fluctuates more than an extra few days in a month. Does this schedule
make sense? The bolded payment are extra payments.
07/05/2019
$591.72 $254.28 $0.00 $846.00 06/07/2019
$9,144.88 $21.30 $0.00 $9,166.18 06/05/2019
$491.95 $354.05 $0.00 $846.00 05/03/2019
$542.99 $303.01 $0.00 $846.00 04/05/2019
$507.83 $338.17 $0.00 $846.00 03/05/2019
$537.98 $308.02 $0.00 $846.00 02/05/2019
$491.28 $354.72 $0.00 $846.00 01/04/2019
$267.41 $578.59 $0.00 $846.00 11/28/2018
$0.00 $1,692.00 $0.00 $1,692.00 06/14/2018
$498.31 $347.69 $0.00 $846.00 05/14/2018
$495.70 $350.30 $0.00 $846.00 04/13/2018
$504.40 $341.60 $0.00 $846.00 03/14/2018
$696.43 $149.57 $0.00 $846.00 03/01/2018
$4,815.07 $184.93 $0.00 $5,000.00 02/14/2018
$436.68 $409.32 $0.00 $846.00 01/12/2018
$483.90 $362.10 $0.00 $846.00
For clarification the second number is interest and $846 the total payment.
If you get me the original loan balance, loan rate, and date of first payment.
I will be be glad to plug in your subsequent payments with dates and let you know where you should be.