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auto loan and balance transfer
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this is what your car loan would look like if you paid it off in 14 months at the existing 2.94% rate: you'll pay a total of about $277 in interest.   if you do a balance transfer of the $10,000 at 3% it'll cost you $300 up front, and your payment on the remaining $5,000 will be $363.74 to pay it off in the 14 month period.  your total monthly payment will be $1,099.45; $5,000 amortized at 2.94% for 14 months plus $10,300 divided by 14. ($363.74 + 735.71).  your interest will be about $392, $300 from the balance transfer and $92 from the remaining $5,000 on the car loan at 2.94%. even if your lender doesn't credit your additional payment to principal and instead simply credits future payments, you'd still be done in 15 months with a total interest expense of about $447.  so this additional administration and additional loan will save you maybe about $55 over 14 or 15 months.
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