<prompt> Human: She refuses help on her payments until were married, because shes stubborn and awesome!. She has about 4 years left on the loan and will definitely have it payed off by the time the loan starts generating interest. She got 5 years at 0 through Toyota because they were offering the deal to recent graduates when she graduated College. My questions, because I havent seen the paperwork to the loan, could this be too good to be true? Because its 0, once were married should we just keep treating it as a payment? Or should we take a hit on our emergency fund and just pay it off entirely. Probably about 9,000. Our emergency fund, by the time were married, should be somewhere between 20,000 - 30,000. Any advice helps! Thank you!  <response>: Treat a 0 loan as a loan from your future self to you. You have no incentive to pay it sooner, in fact it helps your credit score to continue paying the monthly amount consistently. The loan is just what it says, the only cost youve had is the processing fees. Im in the same kind of loan for my 2012 RAV4 and Im lovin it! 