If your repayment time has exceeded half of the loan term, then the significance of prepayment is not too great, because you have paid most of the interest. But if your repayment time is still in the first half of the loan period, it may be more cost-effective to repay in advance. This is because, in the first half of the loan, you mainly pay interest, while the principal repayment is relatively small. If the loan is repaid in advance at this time, the loan term can be shortened, thus reducing the total interest to be paid.
It should be noted that prepayment may result in some handling fees or liquidated damages, so you need to read your loan contract carefully before prepayment to understand the related expenses.