The monthly interest rate is 1.75%.
1.75% monthly is more than 23% per year. I’m not sure what returns you’re getting from your investments, but it’s probably less than that.
Yeah, it could be better or worse… hard to predict kkkk.
23% a year would beat 80-90% of the market. Loan interest is guaranteed, though.
If you can beat 80-90% of the market consistently, don’t worry about the loan. You’ll be a millionaire soon anyway.
Keep your money invested. The Brazilian stock market should be returning more than that. Maybe find a dividend stock that pays double and use that to cover the payments.
Stop messing with him.
Like others said, it’s all about the interest rate. During COVID, I had a car loan at 2.4%, so I didn’t bother paying it off early. After COVID, I traded in for another car with a 7.5% loan, and now I’m focused on paying that down.
When the rates are close, it’s just important to do something. Either pay off the loan faster or invest. Don’t sit idle.
I’m already investing about a quarter of my salary each month, even with the loan. So I figure I could catch back up in less than 6 months if I pay off the debt now.
Here’s a calculator that might help: Pay Down Debt or Invest Calculator | GetSmarterAboutMoney.ca
For me, I’d want the debt gone, but it’s all about what helps you sleep at night 
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I was gonna pay mine off, but the interest is $3/day. I’m using the money to make way more profit. Maybe I’ll pay it off later, but the total interest is only $12k over 6 years. So yeah, it’s a choice.
What’s the interest rate on your loan?
That’s about 20% per year. I’d pay it off ASAP.
52k? Sell the car, get out of the loan, and buy something cheaper.
I looked up BRL, and it’s the Brazilian Real. 52k BRL is only about $9,300 USD. 
Oh, gotcha! That makes more sense. I thought BRL was some investment thing.
Depends on your financial goals. Some people prefer investing, while others like eliminating debt.
If you’re okay with having debt, keep it. Personally, I hate debt on depreciating assets, so I pay off car loans ASAP without sacrificing too much.
So I asked ChatGPT, and I came to the conclusion it’s better to pay off the debt. It asked a lot of good questions and did a bunch of calculations. It was kind of odd talking to AI like it’s a person, but it was a good experience. I liked the idea of using part of my investments and covering the rest with my monthly income so I don’t trigger taxes from selling too much at once.
52k? Sell the car, get out of the loan, and buy something cheaper.