And I also have approx. $23,500 currently remaining in my bank account that I otherwise would not have had. So, they are really lending me that money for free (considering the loan and bank interests basically cancel out).
And yes, I am on the hook for the remainder on a vehicle. That’s what’s called a “loan”, in this case for free.
Make the payment on the first day it is due and check it. They make all their money on people who pay as late as possible. If they delay a payment, they can screw those last-minute payers. Fixing their mistake is next to impossible.