Installment loans do not really help with Fico scoring that much.  I would say if you could wait - open another credit card and let it report for 6 months to a year whether secured or unsecured.  Revolving lines boost fico scores and two to three is where you get maximum score points added - paying of the installment loan will help with how much house you can afford on the mortgage approval, but won't help boost the scores back up to 640.