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Should I pay off a 0% car loan?
Between now and October, your $3,000 will earn $30 in your savings account. If you are late on a payment for your 0% loan, your interest rate will skyrocket.  In my opinion, the risk is just not worth the tiny gain you are trying to achieve in the savings account. If it was me, I would pay off the loan today. A few more thoughts: There is a reason that businesses offer 0% consumer loans.  They are designed to trick you into thinking that you are getting a better deal than you are.  Businesses don't lose money on these loans.  The price of the loan is built into the cost of the purchase, whether you are buying expensive furniture, or a car.  Typically with a car, you forfeit a rebate by taking the 0% loan, essentially paying all the interest up-front.  Now that you have the loan, you might be ahead a few dollars by waiting to pay it off, but only because you've already paid the interest.  Don't make the mistake of thinking that you can come out ahead by buying things at 0%.  It's really not free money. In the comments, @JoeTaxpayer mentioned that fear of mistakes can lead to missed rewards.  I understand that; however, these 0% loans are full of small print designed to trip you up.  A single mistake can negate years and years of these small gains.  You don't want to be penny wise and pound foolish.