Are you sure about that? I'm on my second car loan from them and my payoff balance is what's left on the principle only. There's no penalty for paying it off early either. This was certainly the case for my prior loan, and reps have personally told me such was the case on my present loan. I can go their website and get an up to date payoff quote, and it's the balance of the principle only.koji said:EVEN IF YOU PAY OFF THE BALANCE EARLY THE AMOUNT THE GET DOESN'T CHANGE.