Unfortunately, most installment loads are front loaded, meaning you pay more interest than principal in the beginning and then based on a sliding scale over time it changes to paying more principal than interest.
for example
First payment $300 Interest = $290 Principal = $10
Last payment $300 Interest = $10 Principal = $290

The technical term is (amortized)

This way the lender is in control of the asset (car) for a longer period of time
Miss a few payments and get the car repossessed 2 years in on a 3 year load and you will find you still owe a ton of money
You really pay for your car note in the last 1/3 of the life of the loan.