<prompt> Human: Basically been contemplating this for the last month or so, I have the money in my account to pay off the rest of my car. Would it be better to pay it off this month or would I be better off in the long run and just keep making payments to help my credit get better?  <response>: Unless your interest rate is 0 or close to it, Id say pay it off. Best to be as debt-free as possible. Make sure youre not draining your savings by doing it, though. 