<prompt> Human: I have a loan out on my car about 15K and my interest rate is 3. Instead of paying the banks 3, should I borrow against my 401K and pay myself back the 3?I understand that now ill be waiting almost 2-3 years to just get back to the point Im at now and if that stock happens to take off, it will do so with 15K less in it.Thoughts?  <response>: At 3 I would just keep the loan and not borrow against 401k. The 15k of plan assets are probably? earning higher returns. 