I need to look at the numbers to know exactly, but off the top of my head... 60 month loan, around 20 payments made. Each payment has been about 20% over the required, so with interest that should shave off somewhere between 10 and 14 months. So... less than 2 1/2 years left at the current pace. I may throw some bonus money at it next spring, and increase the payment a little more to try and shave some more time off.