<prompt> Human: I was told I need to have a steady payment of the same thing for a year or it will ruin my credit, is that and true?  <response>: Almost 6 grand in interests out the window and you will still be paying when the car is already broken and needs repairs.So yes pay it off as soon as possible credit rating will not be negatively affected, or sell it and buy something you can afford.Use a credit card that you pay off every month in full !!! to build credit. 