<prompt> Human: I just purchased a lawn tractor on credit 2500 roughly. My score is around 700 and have been working on getting it higher. I have plenty of cash available to pay off the loan but was wondering if it would help my credit to pay it monthly...  <response>: Pay it off. Dont pay interest just to improve your credit score. Get a CC and pay the balance in full every month if you want to improve your score. 