My car loan payment is obnoxious…and it’s unfortunately not our next snowball, but at least when we took it out, we did a 4 year instead of the 6 or 7 year they offer now.
Our loan is through a credit union, and they have a 14 day grace period , but if you even 1 day late, you can no longer pay online! Which may not be an issue, except their site is constantly down for maintenance or problems. Their representatives say, well, you’ll just have to come in to a credit union location.
I guess it all lights fires under us to try to do something about things!