as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
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should i pay off my car loan within the year?
user
contrary to popular belief, you can build your credit (if that is important to you) without paying a penny in interest.  this is done through the responsible use of credit cards, paying the bill in full each month without accruing any interest charges. if i were you, i would pay off the loan today, if possible.  after that, if you decide you need to build up your credit, apply for a credit card.  if you have difficulty with that, you can get a small secured credit card or retail store credit card until you have enough history to get a regular credit card.
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