I’ll try to keep it short. Bought a Mazda 3 2020 with 20k miles for 20k. I’ve only had it for a year and paid off maybe 4K.

Does it make sense to pay it off fully before trading in? I’m thinking of a 330 but could prob go straight to a m340. Ideally I’ll end up in a true M one day but baby steps. What are things to watch out for?

Any tips or opinions will be appreciated and thank you in advance.