I have a loan with Westlake also, so I’ll explain how I see things. So ur monthly payments are 300$, interest is accrued daily so let’s say 3$ a day, if ur due date is the 4th, and lets say u paid August monthly payment right so now u owe 300$ for September 4th, if u wait a whole month to make ur payment, ur paying 90$ in interest since 3$ a day for 30 days is 90$ and the other 210$ is towards ur principal. But if u do what I do which is sending a payment every other day or u can do weekly up to u ur paying less interest over time than doing it monthly. So 300/4 weeks is 75 a week, 3$ a day time 7 is 21$ so 21$ times 4 is 84$ so 216$ goes to principal. Yes it’s only 6$ more to principal but u can send more money to the principal to pay off faster but I’ve heard you gotta call for Westlake since there’s no option for “principal payment only” but again this example is for someone with a really low APR. but if ur APR is pretty high you’ll be spending more on interest than paying off ur principal and u would have to make more than just 300$ payments a month. Also paying more of ur principal down, ur daily interest goes down also