Ah, I see what you're doing. No, no. What they do is actually worse - and better. Amortization schedules are front-loaded to allow the lender to make money. That is, you start out paying significant interest per payment and slowly transition over the life of the loan to paying almost no interest. They do this because if you decide to pay off your car, they've already gotten a bunch of interest paid on the loan.They don't have prepayment penalties. Like I said I didn't realize it but looking at the loan agreement I figured out what they did. They took the interest rate (in my case 4.24%) then they look at the years (in my case 72 months, 6 years). Then they look at the amount financed (in my case 27k). Then they put it thru a loan/apr calculator (compounded annually) and they get the interest (in my case 3.5k) they then add that to the principle (27+3-30K) and divide it by 72 months to get your monthyl payment. I checked the math and it works out to that. They also have clauses buried in the contrast that state you must pay off this total amount to satisfy the lien. So once you sign you are the hook for all the interest no matter when you pay it off. ( I included my numbers in case anyone wants to check the math themselves.)
The "better" part is that you should be able to pay off the loan early, and only have to pay the remaining principle.
Take a look at this calculator. It'll show the interest/principle transition effect.
Auto Loan Amortization Calculator
Now I'm just assuming that all this applies to car loans. It certainly does to home loans, and nothing I see on the web suggests that car loans work any differently.