Unhappy customer

I have financed the car with Marquis finance now when I want to settle the account they add 30k saying is a fine for settling the account before last day of my contract, so is it fair to be punished for paying off the contract before last day. It means that as customers we are forced to stay paying every month by force until the contract lapse. And settlement means I pay whatever I owe you and you can not charge me extra for closing my account. It is as bad as ****ming customers, moreover you can not get hold of them on call for settlement.