<human>: Hiya!

I just bought a car for the first time, and I wanted to ask a few questions to ensure I don't get screwed too badly. Sorry if this is the wrong place, I wasn't sure where else to start.

The car was ~16000, and I paid 9 down. So my principal balance came out to around 8000. Now, I'm on track to have that either paid completely, or mostly by the end of the year. But I'm nervous about making payments larger than my scheduled 60-month contracts specify (a co-worker clued me in to how they can apply that in such a way that it really doesn't help me out).

Any caveats I should look out for?

Can you provide a brief overview of the text?
<bot>: Just bought a car, financed about 8000. Plan to pay it off in 12 months instead of 60. How can I make sure I don't get screwed too badly?