My husband and I bought a 2007 Kia in 2008. We financed for 6 years and we've made 61 payments. We have 11 payments left as our maturity date is September 2014. We owe them approximately $6,300 but they say pay off is $13,900 due to it being a simple interest loan and us deferring some payments and being late. Is this legal? Can they make you extend out you loan after you've paid all 72 (6 years) of payments? They're telling me were going to have to extend our loan out 12 to 14 months to get this paid in order to get our title. They sent me our payment history the other day and for 13 months in a row, from November 2008 to December 2009 the 13 payments we made of 538.30 every bit went to interest and not one penny went to the principle. The balance stayed at $19,300 for a year and 1 month. Does that sound right to you? That right there is about $7,000 that went only to interest. We are stuck and don't know what to do. We do owe the 11 payments, but nothing more. What can we do? Anything or is this legal?