Can anyone find a loop hole or explain to me what this means?

All this is saying is that if you pay off the car before the terms of the contract, and the contract is written for less than a period of 61 months, they will refund the unused finance charge, after deducting a $25 finance fee. If the terms of the contract are for longer than 61 months, there is no service fee. Basically, when you finance the car, they ume they are getting X number of dollars over the life of the contract. If you pay it off early, they are getting as much money as they thought they were, and actually make less profit. Hence the rule of 7/8s and the service fee. Aurora huh? Used to work at Cat in Montgomery decades ago. Hope this helps clear this up.