<prompt> Human: I have 5414 left on my car loan and 20k in savings. Current payment is 498 a I pay 600 a month. Im just wondering if paying it off early would be the better option. I like having the emergency fund but hate paying the interest on the car. Any advice would be helpful. Thank you  <response>: At 8.6 paying the car off would be best if you can afford it. 