<prompt> Human: Some background first. I am 19 and I bought my first car a coupple of weeks ago and I owe 15,000 on it now. Also, I have zero credit. Recently, I came into some money, specificly 15,000. My question is, would it be best for my credit to pay it all off right now, or make the payments as they come?  <response>: Well based on the fact that you say you have zero credit, Im assuming your auto loan has a ridiculous interest rate.So if you have no emergency savings, keep a couple thousand and make a large principal-only payment to your auto loan. If you do have savings, just pay it off. 