Is it better to retire a loan before it term or after the term?

As a rule of thumb, it never hurts to get rid of the loan early The more credit you are trying to build, the more your score will increase if you pay the loan off with the regularly scheduled payments. This especially holds true for unsecured loans That said, there are some loans that contain pre-payment penalties. Pre-payment penalties can end up being a few points (percentages) of the loan.

Check with your bank or entity through which you got your loan for any pre-payment clause.

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