ext_338565 ([identity profile] booniverse.livejournal.com) wrote in [personal profile] the_rck 2014-09-12 08:59 pm (UTC)

When I bought my truck I had a 5 year loan but went ahead and paid the 4 year monthly loan rate (they didn't penalize for early pay off, I checked). I figured I could pay it off in 4 but if something happened and I needed to pay less, than I could fall back to the 5 year payments and still be OK. It worked out well for me; I made 4 year payments up until I was off of work for 5 months and then I switched to the 5 year.
(6 comments)

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