<prompt> Human: I currently have a personal loan from my credit union I used to buy my vehicle. I have been paying it for about 7 months, out of a total of 24 months. It has a fairly high rate although its not a lot of money total was 3600. I asked the CU and they said there is no penalty for early pay-off. I am young and have very little credit history, although what I have is not terrible the only credit report I have received said I was 700.I just worked a large job that brought me enough money to pay the remainder off all now and still be secure financially. Is there any benefit to staying with this loan or should I just pay it off now?  <response>: No. 