When paying of small loans?

I'm trying to improve/build credit. I have a loan that I can pay off completely or continue to pay on it. Which looks better on your credit report?

Payoff would only save about $50.
Life of the loan is 15months
Already paid 5 months into loan

If I assume, which can sometimes get me in trouble, that your debt to income ratio is in line, then making regular on time payments will do more to increase your credit score than paying them off will.

If you do have debt to income ratio issues, then paying them off may be a better option.

If you really want some bang for your buck so to speak, you need to have an installment type loan, such as a car loan or mortgage as these loans give you more points for on time payments than a credit card or revolving type account will.