When you pay your truck off waaaaaaaayyy early got the truck in April of 2012, and just made my final payment today! I look forward to getting the bank's name off my title!!!!!!! I did use my savings to pay the truck off early, so I hope I don't have an accident or anything for the next couple of months. Unfortunately, I cannot spend money on mods, I have to start saving up for a downpayment on another vehicle for the old lady. She wants a Dodge Charger.