Doofus

Trying to save a bit of cash monthly ... wondered if someone with a bit more finance savvy than me can work a few things out

Any help appreciated.

Scenario.

I have a car loan, left to pay 36 x 184, borrowed about 7k?
Wife has a car loan, left to pay 36 x 190, borrowed about 9K

Am I correct in thinking that if I paid my loan off immediately I would not pay 36 x 184 = 6624?

I assume that interest on my loan is calculated monthly so if I were to pay it off now I would not have to pay the 3 years interest on the loan I had left?

Would we be cheaper if we amalgamated the loans? i.e. I arranged with my bank one loan that would pay off both our car loans immediately to leave us with one monthly payment.

So instead of (mine) 36 X 184 + (wifes) 36 x 190 i.e. 36 x 374
we might be paying 36 x ??? (smaller than 374)?

Any guesstimates are appreciated or just a no don't be stooooopid .. can't do that

One more question if possible, if the above scenario is OK i.e. we do get one loan. If we needed say 2K to change one of the cars is it possible just to add the extra amount to the loan or are we looking at arranging a new agreement?

Thanks for any help.
Doofus.