Odd... Unless your term is shorter. My payment is for the 72 month term. I did get X plan, if that means anything. I can tell you I paid 30,600 for it. And I think the GAP insurance was an additional 400 or so bucks. That was without tax, as I bought it out of state and came back here and wrote a check to the DMV for the tax. So that's not in the loan which would make a difference as well.