We purchased a 2004 Chervolet Malibu in June of 2004 our loan totaled 18, 000.00 dollars we are still paying on the car and from the looks of our monthly statement we still have two years I don't understand because we have owned the car for 5 years already every payment we make we always send in a little more than the regular payment but still it seems as if the principal haven't move in the past.