First, go to the mirror and look at that person looking at you and promise them you will never do this again.Then make a second promise that you will never buy another 27,000 car at 13%.
Right now, work out a plan do you can pay cash for your next car.Then continue to pay cash for these cars the rest of your life.
Back to your question.This advice is from a financial perspective….
Paying off a loan faster is better than saving your money.Thus either of the last two options will do.I estimated you had a $27,000 outstanding balance at a 13.75% APR.Either of the last two options will put you at about $20,400 in one years time.The first option would leave you with an approximate balance of approx 23,750 and $2,400 cash in your pocket. Pay off the loan---fast!