Don't do it. You will regret it.
I have never been late for a payment. I received a notice in the mail that I missed a payment, and after spending hours on the phone and providing proof from my bank that the check was received and CASHED, the bank still will not credit my loan for the payment that was made. They are absolutely horrible and incompetent.
I have one more year to go to pay off my vehicle. It was a 72-month loan. I paid on time and overpaid at times. When I called for the payoff, I was told I also have to pay a prepayment penalty, not just because I am paying it off early, but because through the years I had overpaid what was due so a prepayment penalty was tacked on to my account. Car dealers give you over 10 documents, most of which are so unreadable because the print is so smal. I wish they would have pointed this out to me!