<prompt> Human: Just bought a used car at 11k. Dealership arranged financing at 9. My FICO credit score is 750. Side question: is that a reasonable rate? could I reduce the APR? Main question: We could probably pay it down earlier, but wife has read on the nets that for purposes like getting a mortgage, they give weight to having a history of paying back loans that are not CC. So: can improving the rate on a large mortgage justify paying more than necessary on an auto loan? Does paying it back early larger than due payments affect credit scores negatively?Edit: thank you very much everyone. A couple of clarifications: the loan is with capital one. Rate sucks, but no early repayment penalty. Rate may be affected by not having a US drivers license, not sure, and also not it is a used car. IIUC, the conclusions are:- Try to refinance at a lower rate elsewhere, should be achievable- No real need to use non-CC loans, since a FICO of more than 760 suffices.- There is no problem with paying off early, it just reduces the count of on time payments.- Go back to using credit unions...  <response>: No, its a bad deal. You dont have to pay interest to increase your credit score. Just having a credit card and paying it off in full is sufficient to get a high score. 