payments were $530 when I bought the Denali and I paid it off in 2 1/2 years, this one is a little more $637 (or close to it) but the interest rate is way lower, so it should take me approx the same time, I usually make the payment and then pay the same amount again towards the principal doing that also knocks the interest down because it's based on the running balance owed. the higher the balance the more interest you see being accumulated, knock that high balance down and the interest is not as bad, it's still charged at the same rate but on a lower balance, when you make a payment it pays the interest first then whatever is left over is paid on the principal, so if you make a extra payment it goes straight to the principal knocking the balance down faster as if there was no interest at all. same goes for most loans.