Had an approach that allowed me to pay more than half the loan. I think I paid 2/3s immediately. I could then choose not to make any payments for more than a year, but they would count it as me having made monthly payments.

The best part though is that they immediately deducted the amount from the balance on my end. This meant that I didn’t pay ANY interest on the portion of the loan I had already paid off.

It was an incredible way to do it. I got the best of both worlds. Additionally they did loans on salvage titles.