Loan to buy a car, there must be an agreement, and the content of the agreement must be stipulated. As for how to repay the prepayment, generally speaking, the residual interest is not required to be repaid, but the penalty is about 5%. You can also look at the contents of the agreement, because the agreement is to repay interest on schedule within the prescribed time limit. If the remaining interest is not paid back, the liquidated damages will definitely be paid. Of course, the penalty is less than the interest.