If there's no fee for paying the loan early, a longer loan can provide flexibility by reducing minimum payments while leaving you the option of paying the loan early. (investmentzen.com)
Check if your loan allows you to make extra payments, and if there are any fees for doing so. (moneysmart.gov.au)
I used one of my other cards to pay my rent because there was no fee associated with paying the rent by card. (thesunsfinancialdiary.com)