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How paying the principal affects your car loan Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make smarter financial decisions by providing you with interactive financial calculators and tools as well as publishing informative and objective content. This allows you to conduct your own research and compare data for free - so that you can make sound financial decisions. Bankrate has agreements with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The products that appear on this website are provided by companies who pay us. This compensation may impact how and when products are featured on the site, such as such things as the order in which they may appear within the listing categories in the event that they are not permitted by law. Our mortgage or home equity products, as well as other home lending products. This compensation, however, does have no impact on the information we provide, or the reviews you see on this site. We do not include the entire universe of businesses or financial deals that may be accessible to you.


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3 minutes read. Published September 27, 2022
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Paying down the principal on your car loan is a great method to increase the equity in your car. In most cases, you must indicate to the lender that the loan payment is to be made only to the principal, whether online or over the phone. Each lender uses its own method however, and some do not allow principal-only payments. What is a primary-only car payment? A principal-only vehicle payment is a payment that goes solely toward the principal balance of your loan and is distinct from your normal monthly payment. Principal is simply the amount you borrowed initially, but without additional interest. The purpose of this additional payment is to help speed up payment of the debt. Each and every payment you make that is exclusively to the principal amount builds equity in your vehicle. When you accumulate equity in your vehicle, you get closer to owning the car outright. It also reduces the risk of having to pay more than the car is worth -- which is also known as having to pay for the loan. How to pay off the principal on a car loan The principal-only option for your car is a good way to pay off your loan faster. Although it's not available for all lenders, you will likely have to notify the lender that this payment is made intended for the principal balance only, and not an early payment for the following installment. Make sure to check with your lender to see whether it is able to accept this kind of payment and how to proceed to make it. If your lender doesn't offer the option to make a principal-only payment but you could still be able to pay your loan more quickly. How do you pay off your car loan quicker If you aren't able to make payments that are solely for principal however, you might still be able get rid of your auto loan . Just make sure that your lender doesn't charge before making additional payments. Schedule biweekly payments: You may not have enough money to pay a full amount every month, but a half payment every other week could reduce the overall interest paid depending on how it's calculated. It only works if it is an interest rate that is precomputed, since it is calculated in the same way regardless of the date when the payment is made. Make a bit more than your minimum payment each month: Talk to your lender to find out whether they allow this kind of payment, and also how to make it. Every little bit helps in making the loan quicker. Consider lump-sum payment payments in addition to your regular monthly ones in the event of an extra bonus or tax refund You can apply it towards your vehicle loan in the event that it is better used somewhere else. How the principal amount of a car loan affects your credit Paying down a car loan could seem like a good option at first. But paying off your loan earlier, particularly in the short term, could cause . In the short term your score might decrease by a few points, but in the long run you could see it increase if you have high ratio of debt to income. Other factors, including your credit mix and payment history, can also influence your score. To determine whether you should pay the car loan early is the best option for you, consider your credit profile: Paying your auto loan early will show lenders that you're able to handle your debt well. But your credit score -that is, the different credit accounts you have, such as credit cards, a car loan as well as credit cards and many more -- could take a hit when the car loan is the only installment loan. Your payments history If you're able to pay off your car loan early can reduce the number of regular payments, however it doesn't have as much of an impact on your credit score as revolving debt. Your ratio of debt-to income: Your debt-to earnings ratio is a different factor that considers how much you owe in comparison to your income. The process of paying down the cost of a car loan could increase the DTI ratio and improve your credit score in the long run. How can you lower your monthly car payments If your goal is to , a principal-only payment will not help, as it won't lower your minimum payment. But, there are several options to reduce your monthly car payments. Refinance if your credit score has improved or you have a better interest rate, can and potentially assist you in repaying it more quickly. When you refinance your automobile loan you get a new loan with a different lender to pay the present loan off. It is therefore important to research and locate the best deal possible to lower the overall amount of your loan and monthly payments. Modify your loan It is also possible to talk with your current lender regarding . Your lender may be willing change the conditions for the loan for the purpose of making your monthly payments affordable. One way it can do this is by increasing your loan period. But , doing this could mean paying more interest over the course of time. Trade or sell your car Another way to lower your payment is to get to a lower cost car. Selling your car as well as selling the vehicle privately will get you the funds for a downpayment. From there you can find an automobile that is more suitable for your budget and shop around for the most affordable car loan available. The bottom line Paying down the principal of your car loan could be a smart way to build equity. If your lender will accept additional principal payments, you may make them at any time you'd like. Find out more

Written by

This article was generated by using automated technology. It was then thoroughly edited and fact-checked by an editor on our editorial staff.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since the end of 2021. They are committed to helping readers to control their finances with clear, well-researched information that breaks down complicated topics into digestible chunks.

Auto loans editor

Reviewed by Mark Kantrowtiz Reviewed by Nationally known Student Financial Aid expert

Mark Kantrowitz is an expert on student financial aid The FAFSA, scholarships, 529 plans as well as tax benefits for education and student loans.

Nationally acknowledged expert in student financial aid

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