Offer your thoughts or opinion on the input financial query or topic using your financial background.

Is refinancing my auto loan just to avoid dealing with the lender that issued it a crazy idea?
they apply it to my next payment That's what my bank did with my auto loan.  I got so far ahead that once I was able to skip a payment and use the money I would have sent the bank that month for something else.  Still, though, I kept on paying extra, and eventually it was paid off faster than "normal". EDIT:  what does your loan agreement say is supposed to happen to extra payments?