auto loans payment calculator
Is this legal????
My car Loan Company (HSBC Auto) is not adjusting my monthly payment accordingly. I recently made a payment(Principle only) to pay down my car and have a lower monthly premium. My loan maturity date is in May 2010. The principle amount is at $1512 and my rate is 7.9% and they say my monthly payment is $287.06? They said they calculate the monthly payment by P x R /365 days. That still doesn’t compute. I asked them to adjust my monthly payment according to my maturity date. The monthly amount I’m suppose to pay is $68.31.(used bankrate.com auto calculator)
They said that they “can’t” and “will not adjust” my monthly loan payment. At their monthly amount I’m going to pay this off early. I don’t want to do that. I’m tight on cash now and would like to pay accordingly.
Is it legal for them to make me pay off me loan early? What steps do you think i should take to get this corrected?
I agree with the first response–that your laon contract commits to a flagt monthly rate until all of the principal is paid off.
You do have the option to refinance the loan – this would allow you to borrow money to finish paying off the loan (from another company) and you would then pay interest to them instead.
Otherwise, you are legally obligated to continue the original monthly payments stipulated under the loan agreement.
4carsok.com Auto loan calculator. Auto loan payment calculator.
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