Do banks allow people with car loans to pay up to twelve months in advance?
Some do, technically your loan contract requires a periodic payment. Monthly is the common period in which payments are made. Banks sometimes allow a lump sum to be paid, which reduces the principal amount owed and saves the borrower interest, but those savings go away if the monthly payments are not made. If you want to prepay your loan and resume payments later, make those arrangements with your lender.
In some cases, borrowers made a lump sum payment and thought the loan was paid in full. The payment wasn't in full, and the bank allowed the loan to catch up to the payments, so the borrower then had another payment (or more) to make because of the interest that accrued after they stopped making payments.
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Some do, technically your loan contract requires a periodic payment. Monthly is the common period in which payments are made. Banks sometimes allow a lump sum to be paid, which reduces the principal amount owed and saves the borrower interest, but those savings go away if the monthly payments are not made. If you want to prepay your loan and resume payments later, make those arrangements with your lender.