Brendan, this was my first question to the finance guy when I signed up. Could I pay it off early without penalty. He assured me I could although I have no faith that hasn't changed in the meantime or he made it up to get me to sign. Obvs if it's going to cost me money to pay off, I'll pass, but as I understand it, with a fixed rate, they work out the total repayment over 24 months (so 24*335=8040 for a 7400 loan) and whether I pay that in installments or in one big cheque is not their concern.