I would think you could pay more, but you would have to call them and pay it instead of waiting to have it charged to your card. If they are like Universal or Busch Gardens you will never see a statement, but your card will be charged on the same day of the month each month. I know that Universal & Busch Gardens will let you pay it off anytime you want, so you could pay the entire amount off in three months instead of 12 months if you want.