<prompt> Human: Hi all, apologies if this has been asked before but I couldnt find a discussion about it when I went through the sidebar or searched the sub. I recently bought my first certified pre-owned car through a dealership as opposed to buying from craigslist, which is what I did with my first car. I found a car I wanted, figured out a price range within which I could afford said car, and watched dealerships like a hawk until one within my price range came up for sale. Now, I made sure I had enough to buy the car outright and still be alright on bills, expenses, and keep an emergency fund. However, Id like to build more credit since Im young 21 and have only had one credit card so far. I took a 12-month auto loan with a high interest rate thanks to some late credit payments I made back in college score is around 680, APR on my loan is 18.33. Im wondering what the best time to pay the loan off entirely is. I would prefer not to spend the extra money on interest, but Im not sure what the best length of time to keep the loan open would be to help my credit improve. I can pay it off at any time but the dealership worker advised leaving it open for six months or so, just paying early and paying more than the minimum, before paying it off entirely around the six month mark. Just wanted to ask you guys since I trust your advice and its a topic Im not well-versed in. Thanks for any help you can give!  <response>: What i learned is that no one cares about your perfect record of paying off your car once you have paid it off. I would pay it off ASAP to avoud that interest. 