<prompt> Human: So, I have a small used auto loan for my vehicle at a local credit union. I got the loan in December. When January came around I got some extra cash built up and decided I was going to pay off a couple months ahead so I wouldnt have to pay during the semesterIm a college student so I called the bank and asked if I could do this and decided I was going to pay off five months. Making my next bill due date June 8th; by which time I would be working more hours at my job and wouldnt mind paying normally. Well today, I checked the phone app and was looking at my bill and it said the next due date was April 8- prior to that it did say June 8th. So I called and asked and they said they could only allow three months ahead because if I wasnt making the bill monthly, it would accumulate more interest so they pushed my date back and put the rest towards principal. The only problem its that Im not working enough hours to make the payment during the semester and explained this to them. Can someone explain this? From what I remember when I signed the auto loan officer said that the interest was simple interest and that it just was factored into the monthly bill. The loan is for 7,500, the monthly bill is 144.43 due the 8th of every month. I paid Januarys bill on the 8th, then on the 13th decided to pay the semester months off.  <response>: It doesnt sound like the terms if your loan allow for you to pay that much that early. Because of this part was applied to principal.Look at the terms if your loan. 