Apply for a settlement figure, when they finance company should apply the Rule of 78 and rebate of interest will be calculated. If people do have a final balloon payment, most dont realise that your monthly payment actually includes the interest on the balloon amount as well, and there is not much difference in just taking the normal HP route IMO, plus your settlement figure comes down quicker anyway useful if you went down this route in the future. Also, IMO people shouldnt take HP more than 36 months otherwise car will suffer the old negative equity!, But thats just my opinion, depends on affordabilty of course.....ooops going off on a tangent now!
I can work out settlement figures for anyone for Hp. Pers loans if interested just pm me details, i.e loan amount, monthly payment, term and number of payments made. Sorry cant do payments with balloon, contact Finance comapny for them.

Rich