<prompt> Human: So based on the good advice here, I am keeping my Camry and running it into the ground. When I close on selling my house next month, Ill have enough to pay off the car note. BUT, its at 0, so does it make more financial sense to stick that money in an interest-bearing account which I know little about, and have it autopay each month instead of paying it off in a lump sum? My thinking is that I would have all that money set aside and earmarked for the car, but I would still be contributing to rebuilding my credit by continuing payments, plus maybe make a few hundred in interest over the next two years.What am I missing in this equation? As always, thank you all for your knowledge and wisdom.  <response>: Ignoring the credit question completely. At 0, I would rather invest the spare cash at a higher rate of return than pay down the balance.See our FAQ on investing. 