<prompt> Human: I got my first credit card about a year ago and have been using it responsibly to build my credit. Six months ago I got approved for my first car loan. I have the ability to pay off my car early, but Im unsure whether I should. Is it better for me to establish a more consistent timeline since Im brand new in this arena? Or should I pay it off early? Does it matter?Assistant: Whats the interest rate? Money saved matters more than credit scoreHuman: 8  <response>: Yeah pay it off asap 