If you have the means to pay it off early, I would. It is worse for your credit score, but you will feel great not having that payment hanging around your neck. I can practically guarantee that you won’t regret not having to make that payment each month.

There’s a lot of shitty “leather” belts that look great but fall apart rather quickly. I also tend to go through belts on my work pants, but I work construction and that is hard on the leather