In September I became the proud owner of my '11 Forester. I love it. Its MUCH roomier than my 2007 Scion tC, which I used as a trade in. So the amount I owe on the loan is 18,378.70 before I started payments. The monthly is 338.02. I have made 400 dollar monthly payments for the first 4 payments, last 4 months. The monthly payment is getting lower. Thing is, my payoff, recently is 17,786.45... Wheres the 1008.45? Id ask the finance company but they are out for the holidays.. Figured Id ask here and get someone instead of a machine or a company monkey.