<prompt> Human: Purchased a new car and when setting up the loan, the credit union told me if I make the payment at least one day earlier than the due date each month my interest rate will go from 2.49 to 2.24. I assume it only changes for that month and with a 40K loan, what sort of difference would that make say on a yearly basis? Thanks for the help!  <response>: About 100 in interest for the year if you do it every month. 