I have ~11k in 0% APR loan with close to $20k in liquid savings. Is it a good idea to payoff the 0% loan before I continue saving? Just had a duh moment and realized, might be a good idea. Thoughts?

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How long is it at 0% APR?

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2 more years. It's a car loan. 3 years already completed.

No.

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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.

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Why in the world would you pay off a 0% interest loan early?

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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??

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