<prompt> Human: What do we do in this case? They only allow you to make 2 extra payments in excess of what our monthly payment is. We are trying to pay off the vehicle by December. Any way to do this beside putting the money in a savings account?  <response>: Read the fine print of the contract you signed to obtain this loan, and go talk to someone at the company that issued the loan about what you need to change so that you can do what you want to do. 