Hi Silver LightIt is always better to pay up your car loan as early as possible. Since `you have a fair credit score, there isn't a problem. However, if you have a bad credit, it is wise to refinance your car loan.
You can see the benefits of refinancing on this blog. Can I Refinance a Car with Bad Credit?hyperlend. It is up to you to take a decision. Looking at your credit score, I would have paid off the loan.