<prompt> Human: I have a loan for 4,000 for my car. I am early 20s and this is my first loan ever. I didnt need a loan; however, I wanted it to help build my credit. I have been paying it for 1.5 years. I have enough money to pay it off. However, dont know if I should. Should I pay it off now or just continue to make the payments? Interest rate of 5.55  <response>: Saving money should always trump building some negligible credit. You should absolutely pay it off. 