i am currently on a 20K commercial car loan about 5% monthly payment $720, 15K reno loan about 5% monthly payment $540. if I have about 100K, should I pay it off or should I invest it to get more than 5% interest? If you were me, What would you do?

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I find that 5% is a bit on the higher side even though I understand that it is pretty easy to find investment that yields above 5% in current market condition.

If I would like to have excess cash in hand, I would invest the amount instead of repaying it but understanding that I might end up in a situation that I earn more, lose some or breakeven. However, I would still have the cash in hand for liquidity.

If the interest rate that you're paying is on the lower end, I would invest definitely.

My current car repayment is on 2.18% interest rate. I got a pretty good package. I took all the money to invest at a 5% rate and I still have 2.82%pa as a buffer.