americredit will not let you pay off loan!I have dealt with americredit for 5 long years.my last payment was to be next month.however the last payment went from 550.oo to 845.when i called they told me interest a phoenix, Arizona

Let me see...you and they signed a binding, legal contract which states how many payments, when they are due and all the other terms and conditions.  Here we are, you're all excited about the final payment coming up after 5 years and suddenly, out of the clear blue sky, they change the terms and just like magic they are now suddenly strong arming you for more money, right?

Wrong.

Somewhere along the way you were late, you had defered payments or you rang up alot of late fees.  In all probability you had some late payments.  When that happens, the interest clock starts running separately and all that interest becomes due and payable because you were late.

Now then, lets suppose you made all those payments on time.  If you can prove that,  then you owe it to yourself to get an explanation from them. 

And no, I don't work for them.