You are responsible for repaying the full principal amount and the accrued interest over your specified loan term through monthly installments. If you wish, you can also make early payments without incurring any penalties. 

Please note that early payments in one month won't replace the next month's payment obligation. Instead, they will be applied to the principal, reducing the overall duration of your loan.

Failing to meet your monthly payment obligation could result in negative credit reporting to credit bureaus, which may impact your credit score and/or repossession of the vehicle (if applicable).