So I bought a 2013 Tacoma in Jan 2014. Slightly used (5k miles), from dealership. My down payment was 7k and I ended up with a 24k dollar loan. ( I know, not the smartest idea at the time...but anyways....)

Lately I have been trying to pay it down aggressively. My monthly payment is $450/mo and I always paid $600/mo...but the last 3 months I have been paying $850/mo. At this rate, I will have it paid off in 36 months (3 years) on a 60 month loan. The APR is 2.9%.

I have 12k in savings, and I max out both my retirement accounts (401k, Roth IRA). I put $500 into my savings every month. It was $750/mo but I lowered it since I raised my car payment...

My question is the following...

Would you dip into that savings account to pay the truck off even faster and continue the $850 per month on top of that?

Or stop the savings allocation for now and take that $500/mo and put it towards the car, for $1350 per month total?

Or just keep going along at $850, keep putting $500/mo into savings, and pay it off by January 2017?

I love the truck and plan to have it for many years after it's paid off. This loan though just aggravates me, but I know it's my own fault...

Advice?

Thanks!