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City Loan charged me 9400. 00 for a loan of 3900. I paid 5700. 00 in interest and when I called for the payoff, I still owed 3700. 00, thus, 200. 00 went to the principle in a year's worth of payments. I argued that "I have already paid so much, please consider the interest already paid and allow a lower pay off. " Ignaucio the manager agreed that I had paid a lot and he said I could pay the car off with 2700. 00 additional dollars because he could not authorize anything lower.