Hi Sherry, we appreciate the five-star review – Please note that paying your loan off early will save a significant amount in fees. There is also no prepayment penalty for paying your loan off early and many of our customers take advantage of this policy. If you would like to save money on your loan by paying it off early, please call our customer care team at (844) 363-2288 ]. We’re also here to help answer any other questions you may have and work with you on your payment schedule to ensure it works for you. Please reach out to us via phone, online chat, or at feedback@loanatlast.com. We appreciate you reaching out to us and thank you for being a Loan at Last customer.