Generate a full detail guide on how to pay off a car loan early. The guide must be practical and strategic. It should include detailed sections on: 1. How to ensure your extra payments are being applied directly to the principal. 2. A comparison of different strategies (e.g., bi-weekly payments, round-up method). 3. A framework for deciding if paying off a low-interest car loan early is the best use of your money. 4. A step-by-step checklist for making your final payment and getting the title. Please include a disclaimer to check for any prepayment penalties.