wtfff.
So when I was looking up the credit union the car dealership was offering a better loan with, I saw someone saying "hey it's $12 to make payments and that's bullshit". I asked the salesman about that, and he said "don't worry that's only for phone payments, it's free online".
Turns out the only free payments are for auto-pay. Everything else is $12. I don't want autopay since I plan on making more than minimum payments.