Finance: The finance market has changed drastically in the last few years. At that time you can get the annual cash prize. With that cash, you can pay off your car loan before the deadline. There are many companies that claim pre-closure charges, in a word, want pre-payment. Note that some banks charge these charges after two years of lending. If you have decided to buy a car on loan and want to get money from a bank, ask your friend or family to do the same. Keeping in mind the above points will definitely help you to get a low-interest rate loan from an ideal bank