Defeat or partially finance the final rate?

Good day, Mr. Motortalker, I have a little question of faith… Would you pay the final rate of a car balloon financing immediately upon maturity, if the liquid funds, in other words, we say that there were 20,000 euros of savings, then be debt-free and with the now no longer due rate save just this 20,000 euros over a few years, or would you take only a part of this 20,000 euros and say 10,000 euros again over a few years. Then you still have a rate that was about the same as the rate before, but just 10,000 euros more in your pocket, which could then serve for other things, but just with credit… Somehow I don’t agree which variant is the better one… “poor” but debt-free, or “indebted”, but with balances in your account… What do you think?