re: Paid off my last car loan in full

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I knew it would take a hit since the loan was 3 years old, but didn't expect 30 points.

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That is a problem for people who try to pay off cars early - I've had the same issue.

An alternative (and not for everyone, I might add) - is a HELOC where you tap the equity in your home, then pay it back on your schedule - if you always keep a small revolving balance, the loan life will continue to grow and grow. It can function like a mega credit card. You can tap it for short-term medical expenses, pay off credit cards, and, buy cars. It can get you in trouble and does tie up the equity in your home, but it can function as a buffer against the effects of losing the car loan's effect on your average loan length.