Don't use this plan!!! They charge $400 up front and $1.95 per withdrawl. In my case thats $634 over the course of the loan. That alone is a payment and a half on my car loan. They make one payment a month to the bank, not two. All they are doing is taking your money and making your payment. Save your money and put an extra $634 down on your purchase price. I personally don't need someone to charge me money to take my money and pay my loan. Total misrepresentation of the facts. I was told the 5 payments that come off the end of the loan was due to the half payments cutting into the interest. It's just you making 5 extra payments early. YOUR NOT SAVING MONEY!!! By the way, an extra $25 dollars to stop them from taking your money and charging you money to use your money to pay your loan to end this plan. Grand total- $659 to pay my bill with my money!!!