<prompt> Human: Long story short, I made a bunch of stupid choices when I was new to the army and I destroyed my credit. Fast forward a few years, I get a car loan, my parents co-sign, low APR. Ive payed over half the loan off and this summer Im going to be able to pay off the car. What will benefit my credit more, riding out the loan for the rest of the duration, or paying it off?  <response>: Doesnt matter, just pay it off. The important thing is that you have an installment loan in your credit history. Continue to use credit responsibly, in other words: stay on top of payments. Your score will go up. 