Unlike a CC, the auto loan will continue to show an "original balance" and current balance even after the loan is closed, whereas a CC if closed will have a zero CL with an existing balance.
So, no, it will not affect the ratios of your loan. It will reflect poorly, though, to any LO review. And if lates or charge off get reported to the account, or it goes to collection, then utilization ratios will be the last of your CR FICO worries.
Out of curiousity, why was this account closed with a balance?
