4.7% interest right is right on the edge of a recommendation either way. Right now, high yield savings accounts can get you 4%+ which would come close to cancelling out any interest charged.

If you value having money saved and available more, then I would contribute to a high yield savings account.

There’s also an argument to be made that a car is a depreciating asset and should be paid off as soon as possible.

It’s really your choice as long as you’re saving the same amount of money you’d be paying extra.