Given money is tight, pay off the 7K and be happy for no payment till you get through your "money is tight" issue. Remember your loan rate on the '22 will be considerably higher than what you paid on the truck you have. Money aside, what will the '22 do for you that your existing truck wont do? Other than increase the time it will take to actually own the truck. Seems like bad timing financially, but beyond that, I am not sure what the benefit is other owning a new truck. That new truck smell goes away but the payment wont for a long time.
