When I purchased my car in 2016, I financed $16k+ for 5 years at the usual interest rate. In order to afford having a car, my plan was to pay off the $265/month payments ASAP, which I did in 25 payments. Later, my rent was increased and I obtained a personal loan from my bank at low interest to pay off all debt. That payment is $244/month now, but I have 1.5 years remaining. My CS is 808.
