I am sorry, I just did a quick check. I did not realize that auto loan went up a lot in the past year. :-(

Hope you live in a state lower than the national average. (luckly, my state is much lower than the national average)

You can find out more at: http://www.bankrate.com/brm/rate/auto_home.asp

Also, your own school's credit union, or your company's credit union, usually will have a better deal. Also, try the car's manufacture's loan (they usually only to new buyers, but worth a phone call, anyway).

Good luck.

以下是引用xixi7779在2007-7-13 20:05:00的发言：

想知道先付＄１００００对于最后总的要付的利息有没有什么影响？还是必须要一次付清principle.

If I understand it correct, you can save some interest by paying 10K at once.

For example, if now you still own 30K on your card, then for next month, the interets you will pay will be 30K * your rate * 1 month, and plus some principle, will be your total payment for next month. But now you pay 10K, then you only own 20K, so the interests will be 20K * rate * 1 month. And for all the subseuqent month, in the same way, you will pay less interests.

Of course, each time when you make a payment to any loan, they will first pay the interest you own up to that day, then use the rest of the money to pay the principle.

Another point: call and ask your loan company, can you pay more than scheculed? and can you pay off in advance? Sometimes, they will charge a special fee for paying off loan in advance (because if you do that, they will earn less interests)