Paying off a loan early

Hello

I took out a loan last year with One direct for 15,000 over 5 years.

I now have the means to pay it off earlier as I have come into a bit of cash.

I expect they will charge me for paying it earlier? Or would it be possible to be say 10,000 lump sum to them and lower the monthly payments?

Any help/ advice appreciated

It really depends on the type of loan (e.g. fixed or variable) and the terms & conditions of the contract. The latter should clarify matters for you.