understanding how extra car payments work help needed

[boxmover]

I'm don't know what question to ask. I need help understanding how extra car payments work, and how they affect conventional mortgage loan underwriting. I don't understand what happened when I made 2 payments in 1 month, or how this works since it's different from credit card payments.

My goal is to have 10 payments remaining (or less) for my car loan by the end of May of this year.

My current car loan balance is $2880.46

My monthly payment amount is $202.04

Payments remaining: 14 @ $202.04 plus 1 last one at $160.46 in the month of May, 2026

I paid my regular January payment, and then an extra payment after the January statement cut. That's 2 full payments in January. I expected that my next car payment would be due in February, but the online interface shows my next car payment is not due until March. I wanted my next car payment to still be due in February so my loan term would be done a month earlier. Essentially my plan was to pay two payments per month for as many months as needed to get my loan payoff month adjusted from May 2026 to February 2026.

If I make my February 2025 payment as usual, even though it's not due, I'm afraid my next payment wouldn't be due until April! How could this help me get this car payment excluded from my DTI by qualifying with the 10 payments or less remaining condition? Because if I keep making extra payments it seems it's not shortening the loan length by the months I expected, it's only pushing out my next due date. Also there doesn't seem to be an option in the credit union app or website to pay directly to principal so I'm not even sure that's possible or if it would affectively shorten the loan term anyway.

I really need the $202.04/mo. payment to not be included in my DTI for qualifying for a workable Conventional mortgage approval amount. I can't afford the FICO point penalty for paying this loan off either so that's not an option.

Unfortunately this is one of those situations where I'm not smart enough to understand what I'm not understanding but I'm sure there's got to be a way to make this happen.

please help?

[GZG]

you need to contact them to ask them how to make that type of payment

navy loans work like this, additional payments push out the next due date, but if a second payment is made on the same day, it won't push out the due date, as far as I'm aware, anyway.

[boxmover]

@GZGOh thank you, I'll search topics that include the Navy auto loans and see what people did for them Great to have a place to start vs. randomly guessing!