<prompt> Human: Currently my car payment is 91. Since January of 2016 I have been doing an auto payment from my bank of 100. I just got my credit report and under my car payment it says my payment has been 100 each month, but the balance has been only going down by 91. After doing some research I saw that most of the time when you pay extra each month it will go straight to interest unless noted otherwise. If the extra amount was going to interest, wouldnt the balance still go down by 100 each month? Or have I just given away 260 with nothing to show for it?  <response>: you may be paying the interest early...call the lender 