Drive Financial ,Santander Consumer loan sharks dallas, Texas

I also had a loan that was made through Drive Financial (it was sent to Drive through the dealer)  and no, Robert from Irvine, they do nat make typical car loans.  In any state that they are able they will give you a Rule of 78's loan and it is pretty much impossible to pay off. 

The dealer made lots of money and I was stuck with a loan that is actually illegal in several states.

You should do your research about the company before you assume that someone is stupid!

This is your first car loan.

This is standard and how loans work.  In the beginning a majority of your payment goes to the interest. But because your payment is the same, as time goes on that will switch to where a majority of your payment will go to the principal.

Just look up an "amortization table" and plug in your numbers.  You will see how the payments get applied over time.