<prompt> Human: I bought a 2007 Toyota RAV4 about 10 months ago. It has maybe 33k miles on it. I recently came into a large sum of money and want to pay my loan off. I owe 11,868 on it. Now I have never owned a car with a loan in my life. When I bought it I made sure that I could pay my loan off without penalty. My loan is threw Chase when I called to get payoff amount it was exactly what I owed on it. Do I say okay and pay the 11,868 or do I ask for a better price?  <response>: You cant get a better price - youre stuck with whats in the loan contract. So, just pay it off. 