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How long is it at 0% APR?
2 more years. It's a car loan. 3 years already completed.
No.
I would set 11k aside and consider it part of your emergency fund and just pay as agreed for the next two years. There’s no real advantage/benefit to paying it off early.
Pro
Why in the world would you pay off a 0% interest loan early?
What does the rate go to after 2 years? Compare that with what you could earn investing and start figuring out the best plan
Then why would you pay it off early if you aren’t accumulating interest for the remaining duration of the loan??