I don't get y'all.
You get financing through a dealership. They tell you you can't pay it off in less than 6 months (or whatever). You do it anyway.
Of course YOU don't get hit with a penalty. The dealer loses commission. So, you made a deal with the dealer that included them getting part of their compensation on the back end, from the finance company. And then you renege on the deal you made and you cost the dealer some money.
How do you figure that is right?? It may be legal, but how is it right? And then you want to call them a stealership??
I really like that idea that
@RJS posted. Pay them all but the last 5 payments right up front. Then make the next 5 payments, so it's paid off in 6 months, and the amount of interest paid is virtually nothing. Total chump change. And the dealer still gets the commission check that you agreed to letting them get.
Paying it off early is literally taking money back from the dealer. Money that you agreed to doing your part to let them get when you signed the deal up front. Money that they get that costs you virtually nothing (if you do it the way RJS posted).