Your down payment reduces your total loan amount. If you put the full 10k down, you would have lower payments. Typically if you pay a large chunk later, and you apply it to the principle, you would have a higher monthly payment, but would pay it off sooner. So ultimately, it comes down to do you want lower payments for the duration of the loan, or do you want to pay it off sooner with higher payments

Thank you 🥹 I wish they would have left it how it was, but this is a nice compromise 🥹

If it truly is a Mazda 3 and the insurance says it’s a 323, please contact your insurance carrier ASAP and have them correct it, if they have it wrong it could have potentially disastrous consequences for you in the event of a loss