Figuring out auto loan terms (Bankrate.com) Dear Dr. Don, How

Figuring out auto loan terms (Bankrate.com)
Dear Dr. Don, How do I know if my auto loan is a simple interest loan or a precomputed loan? I want to refinance my car, but don't know whether there is a prepayment fee or not. What do I need to do in order to find out whether there is a prepayment fee for my auto loan?