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I have about 15000 in the bank. This is all of my savings. We need a car. My question is, is it common for a lender to apply 60% of a payment to interest? You can get a personal loaneasily and
faster. Application does not take much time in case of such loans. The procedure is simple, paperwork is lesser and it takes lesser time. So within days you can get the loan you want. Also, how will that affect my payoff balances if and when I decide to pay off the loan (and refinance)?