NOooooooooooooooo I just did that, did you notice that the first year you paid mostly intrest!!!!! you will just do that again that is what happened to me. if you just pay a little extra each month that will do you the best, think of it this way if you pay 10 a month extra in 48 months that will be 480 that did not pay intrest on so that is a good way to save money.Of course the more the better. but 1.2% is not that much on a car loan. a house for sure but a car loan is much smaller and you paind alot into intrest last year you do not want that again!!!!
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