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If you have already paid off two years of a loan that was originally a four-year loan, you ideally want to refinance the loan for a new two-year period.
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Tom pays the minimum amount each monthAssuming his card balance was $0 prior to that transaction and this remains the only transaction on his card, Tom will pay $5,735 in total over 16 years and nine months.
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If you are on PAYE your tax code notice will do.
Legally, private loan lenders have no obligation to work with you and provide you a more favorable payment than what the loan note dictates.
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The type of loan that is best suited for a particular borrower depends on that borrower's situation.
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In some cases, it may even lower your monthly loan payment.