<prompt> Human: I have 10k left to pay off my vehicle and easily have enough to cover it in my savings. Would it be more valuable to pay it off now or just keep paying the 250 payments to build credit? I am unaware if having the car payments are even helping my credit score. Breakdown of my finances: 10k in debt for car with 0 interest 45k sitting in savings Plan on buying 200k house in 3 years with a 20 down. Would pay off car no later than the purchase of the home.If you have any suggestions on ways to be aggressive with my savings to increase wealth and help fund a down payment, Im all ears.  <response>: I would leave it on credit -- it is free money. However, if you are willing to forego comprehensive collision insurance which is required by lien you can remove that insurance once the loan is paid off. Note that this will make you liable to all damage to your car you make e.g. you are at fault: without comprehensive insurance, you are liable for repairs to your car, you cannot rely on insurance to cover it. 