Because our loans are precomputed, you will generally only receive an interest rebate within the first half of your contract if you payoff early. What this means is that on a 12 month contract, you should receive a rebate if you payoff your entire balance within 6 months, with a larger rebate due in month 1 going to a small rebate due by month 6. This is only a rule of thumb however, and you can contact your branch to get an exact payoff amount and to discuss how much you might save by paying off your balance now as compared to carrying it to maturity.