You want a low balance to loan ratio and at least 1 active installment. Impact is going to be much smaller than revolving utilization though.
|TCL: $306,100||Utiliz: 6%||AAoA: 5yrs 2m||Other: Lease, Loan, *No Mortgage||Collections-Lates-BK's: 0|
Installment utilization is aggregate, simply paying off 95% of one loan won't result in a score shift. With the auto loan in play, unless you can nearly write a check for the car, reindeer games with the $1500 loan won't do anything FICO wise though it would save you some amount of interest.
Under 10% (maybe under 9% depending how things get rounded) is the sweet spot when it comes to installment utilization.