<prompt> Human: Wondering what is the mathematical choice. This is independent of other variables.  <response>: Pay it outright. From a purely mathematical standpoint, youre better off taking the low interest loan and investing, but theres two things about this scenario.First off, as uFrozenlazer mentioned, you wont get financed for that low of a principal, and definitely not at that low of a rate if you can find financing.Secondly, 3k is such a small amount in the grand scheme of things, were talking a potential profit of maybe a few hundred dollars over 3 years, which will easily be eaten up by higher insurance costs required by lenders. Not to make assumptions, but if youre seeking advice on what to do with 3k, you most likely would benefit from the increased cashflow of not having to pay off your loan 100mo. 