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What should have been the payoff?
If you got a 3,000 dollar loan and you paid 2,200 of it in a 11 months and you needed to pay it off(because you wrecked the car you got the loan for)how much would the pay off be.my sister is going in tomorrow and im worried there going to make her over pay.she only has 600 hundred dollars to give them now.and they said something to her about refinancing.she just asked what the pay off amount was she didnt want to refinance.
The issue here is the finance rate… A lot of loan companies will multiply in the finance rate at a given remainder of time left on the loan to figure out the payoff amount. The loan should have an amortization schedule from when she got the loan. She paid off 2/3 of the loan in one year so I would say that the payoff should only be around $1000. Some loan companies don’t like payoffs very much though so it really depends on the lender she used.
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