when i pay my car loan with my credit card over the phone there is a $15.00 prossesing free. thats way too much. Is there any way to pay for my loan online?

I agree. That is way too much. These days, banks and finance companies are trying to get every extra penny they can out of you. Did you try to pay it online directly from your bank instead of through your finance company? Most banks now have a bill payment service.