That’s fine, it goes by aggregate and anytime you activate it, it’s going to lower your average age also.
Obviously you’re not gonna get the loan boost, if you still have the car loan that high, but one day you’ll have it paid off I’m sure.
Nevertheless you still have the age boost:
Just put a small balance on it when you need it to report and lower your age prior to making an app! You can still take advantage of the age boost, even if not the installment boost.