<prompt> Human: I have a 12k car loan that Ive got about half paid off. I pay 25 extra a month and recently checked my statements to find that instead of that money reducing the interest I pay, its just being applied to future payments. I have over three months of payments stored up. Which is nice, I guess, but thats not the point of me giving them extra money.What should I do about this? The loan is through Wells Fargo, if that helps.  <response>: Im pretty sure its legal.This is why you should check your loan statements periodically. What you should do is contact them and tell them you wanted those to be principle payments and get them to apply the extra funds to the principle. Ask them how to avoid this in the future with additional payments youre making.I doubt they will retroactively deal with the interest though, but you can always ask. You might have some leverage if they acknowledge some sort of mistake. 