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

Do I pay a zero % loan before another to clear both loans faster?
This is a case where human nature and arithmetic lead to different results. Depending on the your income, the effective interest rate on the mortgage is probably right around 2.5%.  So purely by arithmetic, the absolute cheapest way to go is to put the $11k to the bigger car loan, then pay off the mortgage, then the smaller car loan. The Debt Snowball is more effective however, because it works better for people. Progress is demonstrated quickly, which maintains (and often enhances) motivation to continue.  I can say as a case in point, having tried both methods, that if does indeed work.  So, I am with you ... pay off the car loan first, and roll that payment into the bigger car loan. If you add no extra dollars, you should get the small loan paid off in 6 to 8 months and the bigger car loan in another 16 to 18 months. It sounds like from your message that you have another $1500 or so a month.  If that is the case ... small loan paid off in two months, bigger loan paid off in another year.  If you stick with the Ramsay program, you then build an emergency fund and start investing. Good luck!