<prompt> Human: So I got a car on financing about a year ago and I did a 70 month payment period. I did this because at the time I was not exactly flowing in cash. Now I am doing much better financially and I wanted to pay off my car within the next 3-4 months but to my surprise when I went to go pay off the first 25 of the remaining principal I found that there was a maximum payment of only 450 dollars. Why is this type of barrier in place? Is it possible to side step? Do most loans do this?  <response>: Is that the maximum that you can pay at once online, or the maximum that your loan contract allows you to pay per month? Read the contract to find out about conditions on early payments. 