So, what is your legal question?
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You cannot rely on a standard monthly amortization table, as you can with a mortgage, because these loans typically are not loans that accrue interest month to month. Instead, they accrue interest day to day. So, if you are a few days late with the payment, you pay more interest. Or if there is a long period between payments, you pay more interest. To figure out what they are charging and whether it is correct, you have to review the complete payment history payment by payment calculating the interest accruing by the day on the outstanding balance.
I am licensed only in Texas. Offering information of a general nature in response to a question is not intended to be legal advice in your state.
In Texas it is legal to use an accounting method which makes you pay the majority of the interest first rather than having it spread out evenly over the life of the loan.
This comment is given for educational purposes only. No attorney-client relationship exists between us.