<prompt> Human: Hello everyone, Ive had a car loan for about 3 years now. I never really checked the balance on it before because Id just pay it off each month without thinking about it, but recently I was in an accident and my insurance company said they were sending my bank a check for the amount that I owe on it. So every day Ive been checking my balance to see if it had erased yet, and Ive noticed that each day the balance rises several cents. For example, yesterday it was xxx.11 and just this morning its now xxx.92Has this been happening for all 3 years that Ive owned the car? Am I being screwed over?  <response>: the payoff will rise each day because those cents are the interest it is accruing each day. 