The quickest way to payback a loan is to pay on both ends at the same time.

If you have a $250,000 30 year fixed 6% mortgage your payment will be $1,498.88

you end up paying $539,596.80

$1250 of Your first payment is intrest, only $248 of your first payment goes towards the loan amount.

This is a 2 step process first is to pay your mortgage every week (or atleast set the money aside) $1,498.88 a month, is $374.72 a week doing this will let you make 4 extra payments a year intrest free.

Just doing that will pay off your mortgage 4 years early and save you a total of $39,800 over the life of the loan.

This works on car loans or any type of loan where the amortization takes place.