<prompt> Human: So I put down a pretty significant amount on my car loan, and financed the rest 3,633. Its a 36 month loan with payments at 113 12 interest. So Im 4 months into my loan currently, and pay 150 towards my loan every month hoping paying a little more would make any difference at all. What Im confused about, is Ive made 4 payments of 150 towards my loan, and my bank is saying my balance is still 3,550. Am I just horrible at math or what is going on with these numbers?  <response>: The amortization sounds correct, the interest rate is absurd. 