i totally agree with scott and rob, and this is coming from, "THE DEBT KING." you don't want to go into debt over something like that. If your motor runs well, has no problems, why not just put what ever you'd have to pay on that loan a month in a savings account. In the long run you will have saved money on the intrest, and you will have earned this swap(wich will make it more important to you) and god forbid something happens to the car/motor you won't be paying on something that you don't have.