<prompt> Human: Im a part of the VW Buyback Program and I made out quite well. VW is paying off my current car loan and giving me an additional 9,000. I recently purchased a car for 9,700. Should I pay off a large sum of the new car note? If so, how much would you recommend? Or should I just take the 9,000 and invest it somewhere? - Thanks! Some background information on my financial situations: Im 24 years old I have no debt other than the new car loan. The new loan has a 3.5 interest rate I am about 2,000 shy of 3 months emergency funds Thanks!Assistant: How much is the car note for? How expensive is the new car? Was 9700 the down payment?Human: The total amount I owe on the car after tax, titles, and fees was 9,724. I got the loan approved by my bank Navy Federal with a 3.5 interest rate.  <response>: If its a 36 month note youll end up spending around 500 to use the banks money. Im willing to bet that you could probably invest that money and make more than 500 over a three year period but probably not too much more. If it were me Id just pay it off and not worry about the payment but if your savvy you could probably come out ahead by investing it. 