Pol-Enrico G, Get an online car loan quote. http://www.autoadvicetips.com/Auto-Loans.html The automated questionairre will let you know if you can be approved. It will only take a few minutes.

If you make a lump sum payment up front it will reduce the term of the loan, not the payment amount. You will still have the large payment but you will pay for a shorter term and larger percentages of your payment will go to principle instead of interest.

Enter the initial terms in an amortization calculator and then look at where the priciple paid equals the amount you will pay in a lump sum up front. The schedule should be right from that point forward aside from the dates.

I am Mrs Amy John,currently living in texas,USA.I am a widow at the moment with three kids and i was stuck in a financial situation by may 2009 and i needed to refinance and pay my bills.I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit.But as God would have it,i was introduced to a man of God a private loan lender by name Mr Endurance Dawn who gave me a loan of $28,000USD and today am a business owner and my kids are doing well at the moment.So dear,if you must contact any firm with reference to securing a loan with low interest rate of 3% and better repayment plans and schedule,please contactMr Endurance Dawn.He doesn’t know that am doing this but am so pleased now and i chose to let people know more about him and also i want God to bless him more.You can contact him through his email at endurancelendingfirm@gmail.com