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Ha... you sound like me. I bought a used 2012 Charger fresh out of BK13... got a bad interest rate then refinanced 9 months later for a better rate.
I kept it not quite 2 years before trading it last month.
Anyway, installment loans don't have nearly the effect on your credit scores than revolving CC's do... I wouldn't rush to pay it off just to improve my credit. Your score might actually drop if you paid it off... depending on what the rest of your profile looks like. I'd pay enough each month to catch up and get some positive equity...