Why is my car payment lower when I’ve been paying a few days late?

Why is my car payment lower when I’ve been paying a few days late? So I 26 F have been paying my car payments a few days later than usual. It’s usually due at the end of each month but I’ll pay it around the 8th of every month along with the late fees. My car payment is originally $390 but I’ve been paying $409 (that’s with the late charge) for a few months now. Doesn’t seem to be harming my credit as my credit...

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