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My auto loan amount is $17,629.23 and my monthly payment is $304.59, they only took $66.19 interest?

According to an auto loan amortization calculator I should have had $126.00 towards interest for the 1st payment. My interest rate is 8.59%. Why so low for the 1st payment? Are they using a different amortization schedule?

Did you get the amortization from the loan co or did you get your own? Call the loan co and ask how much the break down was between interest/principle.

Sharp EL-738C 10-Digit Financial Calculator $25.01 Sharp EL-738C Business/Financial Calculator EL-738C Calculators…

Victor 14 Digit Professional Grade Heavy Duty Commercial Printing Calculator with Financial/Loan Calculations. Each $175.99 Manufacturer: Victor. Each. Victor Professional Grade Heavy Duty Commercial Printing Calculator. Features Financial and Loan Calculations. Large 14 Digit Fluorescent Display. Heavy Duty and Fast 5.2 LPS 2 Color Ribbon Printer. Amortization Feature. Future

Victor 12 Digit Professional Grade Heavy Duty Commercial Printing Calculator with Financial/Loan Calculations. Each $157.49 Manufacturer: Victor. Each. Victor Professional Grade Heavy Duty Commercial Printing Calculator. Features Financial and Loan Calculations. Large 12 Digit Fluorescent Display. Heavy Duty and Fast 5.2 LPS 2 Color Ribbon Printer. Amortization Feature. Future

Victor 10 Digit Professional Grade Heavy Duty Commercial Printing Calculator with Financial/Loan Calculations. Each $142.99 Manufacturer: Victor. Each. Victor Professional Grade Heavy Duty Commercial Printing Calculator. Features Financial and Loan Calculations. Large 10 Digit Fluorescent Display. Heavy Duty and Fast 5.2 LPS 2 Color Ribbon Printer. Amortization Feature. Future

Savings And Loan $4.99 Savings And Loan

Loan Sharks $8.49 Loan Sharks

HP 10BII Financial Calculator $32.99 1 KB RAM 1 Line x 12 Character – LCD 1 Year Limited 100 10BII 10BII Financial Calculator 10bII 15 2 x CR2032 2.82 oz 3.13″ x 5.88″ x 0.63″ Financial Calculator 2 x CR2032 Batteries Pouch User Manual Loan payments interest rates Amortization Discounted cash flow analysis Interest rate conversion Standard deviation Percent change Markup as a percent of cost price Margin as a percent Financial calculator offers more than 100 time-saving business functions. Calculate loan payments, interest rates, amortization, discounted cash flow analysis, interest rate conversions, standard deviation, percent, percent change, markup as a percent of cost price, margin as a percent of price and forecasting based on linear regression. Calculator offers a 12-character LCD with adjustable contrast, three-key memory and 15 memory-storage registers. Ideal for finance, accounting, real estate, math, statistics students, economics and business work. Calculator automatically switches off after 10 minutes of nonuse and operates on two CR2032 batteries (included). Adjustable Display Auto Power OFF Battery Business/Financial Calculator HP Hewlett-Packard www.hp.com

HP 10bII Financial Calculator $34.99 1 KB RAM 1 Line x 12 Character – LCD 1 Year Limited 100 10bII 10bII Financial Calculator 15 2 Year – When used 1 hr/day 2 x Button Cell 2.82 oz Approximate – With Batteries 5.67″ Height x 3.07″ Width x 0.53″ Depth – Without Cover 2 shift Functions Statistical Analysis Standard Deviation Mean & Weighted Mean Linear Regression Linear Estimation Forecasting Correlation Co-efficient Total Addition Subtraction Multiplication Square Root Division 1/x LN e to the power x y to the power x Factorial Square IRR/YR NPV TVM Amortization Interest Rate Conversion Percentage Parentheses for Grouping Expressions SUM x SUM x Square SUM y SUM y Square SUM xy +/- Calculator Batteries User manual Pouch Functions: 100+ CPU Hitachi H8 Auto Power Off, After 10 Minutes Permitted for use on CFP Certification Exam Power: 2 x CR2032 Batteries Display: LCD:12 x 7-Segment LCD Viewing Area: 0.63 x 2.5in (16mm x 63.5mm) Contrast Adjustable Subject Suitability: Finance Real estate Accounting Economics Business Studies System Logic: Entry-System Logic: Algebraic Pending Operations: 10 Internal Precision: 15 digits The HP 10bII is the smart choice for business and finance needs. You will be able to work quicker and more efficiently with over 100 time-saving, easily-accessible business functions. Easily calculate loan payments, interest rates and conversions, standard deviation, percent, TVM, NPV, IRR, cash flows, and more. Because it works in algebraic notation, it’s easy to learn and use. With so many useful features, and an affordable price, the HP 10bII adds up to a wise investment. The HP quality keypad allows you to minimize unwanted key presses with large, soft edged keys and generous keyspacing. Auto Power OFF Battery Business/Financial Calculator F1902A#ABA HP Hewlett-Packard Plastic Button Power OFF Memory Protection www.hp.com

HP 12c Platinum Financial Calculator $79.99 1 Line x 10 Character – LCD 1 Year Limited 1 x Button Cell 12c Platinum 12c Platinum Financial Calculator 130 2 Year – When used 1 hour per day 12c Platinum Financial Calculator Battery User Manual Anniversary Edition Leather Pouch Solutions Handbook CPU: 6502 Mode Selection: Reverse Polish Notation Algebraic Programming Finance Statistic Time and Date Management: Date arithmetic Editing Features: Undo Backspace keys Business/Finance Features: TVM (loans, savings and leasing) Amortization Bond price and yield to maturity Cash flow analysis NPV IRR Memory for up to 80 cash flows SL, DB, SOYD depreciation methods % change % of total Statistical Functions: Cumulative statistical analysis Standard deviation, mean, weighted mean Linear regression Forecasting, correlation coefficient Total, Sx, Sx2, Sy, Sy2, Sxy2 +, -, x, , %, 1/x, , LN, ex, n! The HP 12c Platinum is a powerful tool capable of handling the most complex and detailed financial calculations. Users of the HP 12c Platinum will enjoy the flexibility this calculator offers with both RPN and algebraic modes of entry, the increased memory capacity and the more-than 130 built-in functions. Easily calculate loan payments, interest rates and conversions, standard deviation, percent, TVM, NPV, IRR, cash flows, bonds and more. Ideal for real estate, finance, accounting, economics and business work. Permitted for use on the CFP and CFA Certification Exams, and GARP FRM Exam. Auto Power OFF Battery Business/Financial Calculator F2231AA#ABA HP Hewlett-Packard Power OFF Memory Protection www.hp.com

Victor 12-Digit Desktop Calc., w/ Loan Wizard, 5-3/4"x7-7/8"x1-3/4". Each $20.94 Manufacturer: Victor. Each. Desktop calculator offers a 12-digit display and a special feature called Loan Wizard. Input any three loan variables to compute the fourth. You have the option to change payment periods per year. Functions include a three-key