<prompt> Human: Auto loans include the full interest in the total loan payoff for the time agreed to; an example442.69Monthly Loan PaymentTerm48 monthsAPR3Amount20,000.00Total paid21,249.12Interest1,249.12You can pay a head, but the total loan payoff will be the same in 2 years or the original 4 years. It will still include 1249.12 interest cost  <response>: Reminder; not all people who give advice know what they are talking about. 