<prompt> Human: I purchased a new vehicle at the end of last year. I paid one-third in cash and obtained a 3, 36-month loan for the remainder. I am now in the position to pay off to loan in full. All other financial obligations e.g., emerg fund, retirement savings, insurance, 529s, no other debts are taken care of.Is there any downsides to paying off the loan after only 4 months? Are there any benefits to keeping the loan for longer? If so, how long?  <response>: Im no expert but its better to pay it off sooner that way you avoid paying interest on the loan 