Most car loans are simple interest loans and can be paid off at any time without penalty (in the States). There are incentives for the dealers to have their customers secure loans through whichever financial institution they are partnered with. In my experience they dealer has requested I keep the loan for 3 months. I am assuming that is the required retention period for the dealer / salesperson to receive their payout. The dealer you're working with doesn't seem like they appreciate nor value the money you're spending.... I'd walk