Understandable, it would add several years of payments under the new loan and cost a lot more money, but that's expected. Most my usage is leisure, which would make sense to keep it. I'm not overly concerned about the additional 3 years (5 years on the new one, but I still have 2 years on my current anyway) of payments that would need to be made and have additional funds in my current situation that would allow me to overpay towards the principle of my loan, which may not be as likely in the mid-future (~5 years out) as I anticipate larger life decisions to come into play (which would also make upgrading a car unreasonable at that time).