How does that work? If you extend the term but overpay isn’t it just the same as having a shorter term in the first place?
We actually did this to gain flexibility (you can choose to pay less by deciding which months not to overpay), but it doesn't reduce the rate.
@andyfallsoff started
London Fixed Gear and Single-Speed is a community of predominantly fixed gear and single-speed cyclists in and around London, UK.
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How does that work? If you extend the term but overpay isn’t it just the same as having a shorter term in the first place?