Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Do I pay a zero % loan before another to clear both loans faster?
Aside from the calculations of "how much you save through reducing interest", you have two different types of loan here.  The house that is mortgaged is not a wasting asset. You can reasonably expect that in 2045 it will have retained its worth measured in "houses", against the other houses in the same neighbourhood. In money terms, it is likely to be worth more than its current value, if only because of inflation. To judge the real cost or benefit of the mortgage, you need to consider those factors. You didn't say whether the 3.625% is a fixed or variable rate, but you also need to consider how the rate might compare with inflation in the long term. If you have a fixed rate mortgage and inflation rises above 3.625% in future, you are making money from the loan in the long term, not losing what you pay in interest. On the other hand, your car is a wasting asset, and your car loans are just a way of "paying by installments" over the life of the car. If there are no penalties for early repayment, the obvious choice there is to pay off the highest interest rates first. You might also want to consider what happens if you need to "get the $11,000 back" to use for some other (unplanned, or emergency) purpose. If you pay it into your mortgage now, there is no easy way to get it back before 2045. On the other hand, if you pay down your car loans, most likely you now have a car that is worth more than the loans on it. In an emergency, you could sell the car and recover at least some of the $11,000. Of course you should keep enough cash available to cover "normal emergencies" without having to take this sort of action, but "abnormal emergencies" do sometimes happen!