Seems the contract is asking for the 1st payment in advance. Is this normal as i didnt do this on my big bike loan.

I am 99% sure it wasnt like that on my old ladys car.. Tisco with ford.

I also would have felt thats a gip..

Well i guess this thailand pay interest on money that im not borrowing. Its only about an xtra 750baht but its the point.

Usually it's an option given to you during negotiations - pay the first month in advance for a reduced interest rate, or pay it in arrears for an increased interest rate.

If you try to change it now, expect the whole finance contract needs to change.

I paid the first installment payment when I put down my down payment and picked up the car from Mazda.