i agree with kewlynx, since you was unable to make the full first payment the price went up a little.Just calm down breath deep and relax.You can actually screw them over they like it when you take the full time to make payments.that means more intrest.BUT if you can afford to make a little more of a payment(ex 200 instead of 150) the time is shortened and the intrest is lower.when i got the loan for my jeep for 2k(the jeep was only 1200 but borrowed more to help my credit) i had it paid off on less than 6 months.Granted that was due to me getting married and more of my money could go to that but nonetheless it can be done. it also helps because if your a little short one month but paid more the month before your still in good shape.