i have simple set interest so if i want to sell my car now IF i bought for 2000 then i pay 2000 payoff in a couple months it will be 1400 ect ect so the intrest is daily and not one lump sum that gets payed off first i got a used car loan through langley with a 4.9 rate so like i said its easy to get rid of the car when i want so the intrest only occurs daily, that way when i sell the car im not trying to rip someone off to pay my interest for me... even if that person has awsome credit yours matters too. The laws changed and its based off of both persons involved equally so if one persons sucked and the other person was perfect you would have medium credit between the two of you.. look it up do your homework it took me 3 months to shop these prices are made up