Car loan is a form of loan. If you choose a five-year repayment period, you need to repay the loan principal and interest in installments during this period. Interest is the fee charged by the lending institution to provide funds for your car purchase, and it is a way for the lending institution to make a profit. The loan interest is calculated according to the loan amount, interest rate and repayment period. The loan interest rate is usually determined according to the market interest rate and your credit status. Even if the loan is paid off in advance after one year, interest still needs to be paid. This is because the loan interest is calculated according to the loan term. Whether you choose to repay in advance or with the normal repayment period, the total loan interest is determined in advance and related to the loan period. Early repayment only pays off the remaining principal and interest in one lump sum, rather than directly removing the interest generated by the loan. Therefore, even if the loan is paid off in advance, interest still needs to be paid in exchange for the funds provided by the lending institution. This is the general rule of car loan. If you have any specific questions about loan interest, I suggest you consult the professionals of your lending institution for accurate information.