<prompt> Human: I bought a car in February 2015. I got it at 0 interest rate for 36 months. But I dont want to keep paying toward the car for that long as I need to focus on buying a house. Originally the principle was 25,000, and I put 5,000 down payment on it. A couple of times I paid 3,000 to be done with it faster, now I am down to 11,000. If I am capable, should I pay the loan faster? If I do that, would it affect my credit score in any unintended way?  <response>: I think at 0, youd want to stretch that out as long as possible. Paying it off sooner shouldnt provide any financial benefit. Instead you could put those extra payments into a savings account preferably one like Ally or Barclay with their 1 savings accounts. 