<prompt> Human: This might be a silly question but I have searched high and low on the internet and cant find a proper answer...I bought a car almost two years ago, intending to pay off the 18k pretty quickly. I now owe a little less than 2k and I would like to make a final car payment in December.However, I cannot figure out how much I should make the final payment for. Normally when I pay 1000 or so a month, a bit of that goes towards interest and the rest goes towards the principal. But how does interest work on a final payment?Will my final payment include interest? Or will I only owe just the principal? If it does include interest, should I just include an extra 20-40 to cover it? And if I overpay, will I be refunded?Apologies if this is a ridiculous question. But Id hate to write a final check and then come January find out I still owe 20 on a car...Assistant: Call the bank and ask for the final payoff amount. They will calculate the interest a bit in advance so it all works out to even.Human: Yep, seems like the best suggestion. I usually try to avoid calling big company lines I financed through Ford, but better to get the amount correct.Thanks!  <response>: I financed mine through Ford Credit as well. I ended up overpaying on my last payment, but they sent me a check for 2 or whatever it was. 