I am the type of person who likes to pay off a contract faster than what the original length of the terms are.
For this reason, one thing I always look for is some kind of prepayment clause. With some contracts, there is actually a penalty if you pay it off early.
If there is ever a penalty for this, I will never sign the contract. I understand the advantage of this is that they get all the interest for the entire life of the contract.
If I want to pay something off early and save some money in interest, I want to know there is not going to be a penalty for it.