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A couple of questions. First, what was the original contract price? How much did you put down? As for wondering how badly it will affect your credit score or rating, that depends on the lender (Wyndham itself or a third-party lender) and how much you owe. If you are worried about how it will affect you credit score or rating, then you have to decide if paying off this loan is worth it to you to keep your credit score intact.