<prompt> Human: So Im nearing the end of my car loan, right now its at about 6k left min payment is 400 a month, Ive been paying 500month plus any extra monthly income to getting it down and I have right around 3k in my savings account. I have all my credit cards paid off and outside of student loans that Im accumulating while in school my car is my only outstanding debt and is really the only big monthly hit on my budget. I would like to get it paid off and free up that money to either work less hours and focus on school or move out and get my own place. So i was wondering on thoughts of using my rainy day savings to pay it off now and then replenish the rainy day fund again with my freed up budget. I should also point out theres no penalty for early repayment and the APR is at 4 on the car loan.  <response>: Of course not. This isnt an emergency. 