<prompt> Human: Good morning all. I am needing some advice. I currently have a truck loan 2.99 with a 112weekly payment. I have a HELOC 4.99 with a 91.78 monthly payment, at the current total. The truck still has 21,000 owed, about 3.75 years till payed off. What I need advice with is: Im thinking of using the HELOC to payoff the truck loan but Im having trouble deciding if this is the right move or not. With the difference in interest rates does this make sense or am I having a brainfart?Let me know if you need any more details. Thanks  <response>: Think about this... Which is greater, 2.99 or 4.99? Would you rather pay more or less interest?Most people try to refinance or balance transfer to get a lower interest rate, not a higher rate. 