i also got aprroved for credit but the intrst rate is going to going tp be like 9%apr i have bad credit but am plaingto put down a 3000$ down payment and i can pay 1000$ a month for the rest of the months finshing the loan in like 7 months and there is no pre-pay charge will the bank still charge me intrest even after i finsh the loan on a 24 month loan?