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How can I reduce my principal balance?

You may pay more than the total amount due for a given month. Any funds received in excess of the total amount due will reduce your principal balance and will also be applied to future monthly payment(s) due. Your next billing statement may show that your account is paid ahead. 
If your account is current, to make a payment that reduces your principal balance only and is not applied towards any future monthly payment(s) due, you may mail your payment to: 
Polestar Financial Services 
PO Box 91171 
Mobile, AL 36691-1171 

Please make sure to include your account number and “Principal Only” on the memo line of the check. Additionally, continue to make your monthly payments through your preferred payment method. 
Note: If your account is not current, the payment mailed to the above address will be used to clear any delinquency and late charges prior to being applied to principal.