Finance - Which to pay first?

[dijit]

I dont see this as a completely cut and dried case. The fact that extra payments on the car go into a savings account instead of applying to the principle makes it sound like the way the car load is written there may be a penalty for early payment and the savings account is how they attempt to delay your paying it off first. If that is not the case then debt snowballing applies and the smaller of the two should get the extra payment to get rid of it sooner and then move on to the next larger.