<prompt> Human: My three siblings and I collaborated together to buy a new car for our mom dream car gift. Came out to around 28k, and we put 10k down.I feel like went about the buying process the wrong way basically bought a car off the lot on our first looking day and the car was bought in my brothers name. He makes the lowest salary out of us and I think if the car was bought in my name instead if I had to guess, then I think my salary is almost twice his, then we would have come out with a better rate?Anyways, the given rate was 3.6. With the four of us, each of us have jobs, and we could pay off the loan asap if necessary, or we could pay the minimum and invest the rest. What should we do?edit: by asap I mean we could pay off the entire loan today, assuming no early payoff penalty I didnt sign nor read the paperworkagreement. I dont have an exact number, but I know we have more than enough in savings to do so. But of course, this implies an opportunity cost, hence me asking whats the best course of action.edit2: its a 3 year loan.  <response>: I would add that paying it off sooner reduces risk. The 4 of you are splitting this and its gone well so far, I imagine, but the sooner you pay it off, the less you worry about what happens if one siblings loses a job, or has a falling out with your mother, or a personal financial medical disaster etc.3.6 isnt too bad interest rate wise, but due to the fact that you have 3 other people youre splitting the loan with, Id say that that adds enough variables to make me want to pay it off asap. 