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If she is bad with saving then I would not be paying it out to make the interest myself, that could end up with a broken relationship. People who are bad savers need big bad bogie men to make them pay on time.

Could be worth asking around for personal loan and use that to pay out car loan. Not sure why but car loans seem to be dearer than holiday loans, which is kind of stupid, at least a car is of some value. Something like this from Google...