# What Happened to my Toyota Payment? **URL:** \ **Category:** Factual Questions\ **Created:** [September 3, 2009, 5:58pm UTC](https://boards.straightdope.com/t/what-happened-to-my-toyota-payment/508771 "2009-09-03T17:58:18Z")\ **Posts on this page:** 7\ **Page:** 1
**Author:** ![TNWPsycho](https://avatars.discourse-cdn.com/v4/letter/t/47e85d/32.png) [@TNWPsycho](https://boards.straightdope.com/u/TNWPsycho)\ **Post date:** [September 3, 2009, 5:58pm UTC](https://boards.straightdope.com/t/what-happened-to-my-toyota-payment/508771/1 "2009-09-03T17:58:18Z")
I’ve owned an 09’ Prius for about 6 months now, and every payment i have made is early and for more than my due amount. Over the past 6 months my payments have gradually gone down, it got as low as $280, and then today i open up my statement and it went all the way up to $520! Which is almost $100 more than my standard payment amount. What just happened? ---
**Author:** ![SylverOne](https://avatars.discourse-cdn.com/v4/letter/s/c0e974/32.png) [@SylverOne](https://boards.straightdope.com/u/SylverOne)\ **Post date:** [September 3, 2009, 6:01pm UTC](https://boards.straightdope.com/t/what-happened-to-my-toyota-payment/508771/2 "2009-09-03T18:01:13Z")
I’m betting there’s a phone number on that statement… I’d call and ask them. Who know… some FI’s structure payments differently. Might’ve been something in the fine print. ---
**Author:** ![ZipperJJ](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/zipperjj/32/211_2.png) [@ZipperJJ](https://boards.straightdope.com/u/ZipperJJ)\ **Post date:** [September 3, 2009, 6:40pm UTC](https://boards.straightdope.com/t/what-happened-to-my-toyota-payment/508771/3 "2009-09-03T18:40:40Z")
You’re not paying car insurance through your creditor through escrow are you? I know they do this with mortgages (like mine) and home insurance. Although in that scenario they take 1/12 of an insurance payment per month. Perhaps, if this is the case with your car insurance, they are billing you for 1/2 every 6 months? ---
**Author:** ![TNWPsycho](https://avatars.discourse-cdn.com/v4/letter/t/47e85d/32.png) [@TNWPsycho](https://boards.straightdope.com/u/TNWPsycho)\ **Post date:** [September 3, 2009, 7:04pm UTC](https://boards.straightdope.com/t/what-happened-to-my-toyota-payment/508771/4 "2009-09-03T19:04:04Z")
> [@ZipperJJ](#): > > You’re not paying car insurance through your creditor through escrow are you? > > I know they do this with mortgages (like mine) and home insurance. Although in that scenario they take 1/12 of an insurance payment per month. Perhaps, if this is the case with your car insurance, they are billing you for 1/2 every 6 months? I do have some form of insurance through the dealership, that is probably it, thank you! ---
**Author:** ![Canadjun](https://avatars.discourse-cdn.com/v4/letter/c/76d3ee/32.png) [@Canadjun](https://boards.straightdope.com/u/Canadjun)\ **Post date:** [September 3, 2009, 7:35pm UTC](https://boards.straightdope.com/t/what-happened-to-my-toyota-payment/508771/5 "2009-09-03T19:35:04Z")
> [@TNWPsycho](#): > > I do have some form of insurance through the dealership, that is probably it, thank you! Isn’t your bill itemized? ---
**Author:** ![Machine\_Elf](https://avatars.discourse-cdn.com/v4/letter/m/82dd89/32.png) [@Machine\_Elf](https://boards.straightdope.com/u/Machine_Elf)\ **Post date:** [September 3, 2009, 8:12pm UTC](https://boards.straightdope.com/t/what-happened-to-my-toyota-payment/508771/6 "2009-09-03T20:12:32Z")
> [@Canadjun](#): > > Isn’t your bill itemized? Better yet, does the bill have a customer service phone number??? 😕 ---
**Author:** ![TNWPsycho](https://avatars.discourse-cdn.com/v4/letter/t/47e85d/32.png) [@TNWPsycho](https://boards.straightdope.com/u/TNWPsycho)\ **Post date:** [September 4, 2009, 3:53am UTC](https://boards.straightdope.com/t/what-happened-to-my-toyota-payment/508771/7 "2009-09-04T03:53:18Z")
> [@Joe Frickin Friday](#): > > Better yet, does the bill have a customer service phone number??? 😕 The bill is NOT itemized, and i dont really see the point in it being itemized, all the money should be going towards paying off the car. And yes, it has a phone number, i will call in the morning.