text: will the monthly payment on an auto loan be higher if the first payment is in 45 days rather than 30 days?   no. you are financing the same amount either way. what it does is stick you with 15 days interest on the total principal. it adds a couple of hundred more dollars to the back end of the loan. it's like the way that car companies used to slide in a bunch of charges that you weren't expecting, like undercoating, dealer prep, etc.  however, you should never borrow money to buy a car, anyway. drive a piece of crap and make payments to yourself for a year. move up to a better piece of crap and keep paying yourself for another year. do this for the length of the average car loan, and you can have a brand new car, interest free, with no payments.  what's in my wallet - cash!