Offer your thoughts or opinion on the input financial query or topic using your financial background.

Should I pay off a 0% car loan?
The precise answer depends on the terms and conditions of the loan, and whether you can reasonably expect to meet them. For example, if you keep the loan, make no payments, there is a good chance that - eventually - you will trigger a clause in the contract, and suddenly be charged fees or a significant interest rate.     If you don't need to pay anything for a time, odds are you will forget to monitor the loan (after all it is not costing you anything) and suddenly get hit with an unexpected expense. Most loan contracts are structured - by professionals - to benefit the loan provider.     The purpose of a loan provider is to make a profit.   They do that by encouraging you to pay more -  up front, over the longer term, or both. Personally, I would never take out a zero-interest loan.   It is specifically designed to appear like a gift from the loan provider, while actually (and almost covertly) costing more at some point. If I was in your position (i.e. if I had taken out such a loan) I'd pay off the loan as fast as possible.   If you have more than one loan, however, prioritise by working out which actually costs you more over time.   And pay the worst ones first.    You'll have to look closely at the terms and conditions - possibly with the help of a professional - to work out which is actually work.