You have a good rate, this is signature loan? Meaning no colloidal, not backed by house or car title? You need to step up the payments as much as possible, 5 years is too long to take to pay back this loan.

You should be able to put $1,000 a year in the savings account after all you bills are paid. This is minimum, you should be trying to put $500 a month in the saving account on a regular basic.

hi there, I think you got a fine enough interest rate on an unsecured personal loan. Truly, since you offered no collatoral except your promise to pay, this is a fine rate. Take your monthly payment and add a bit to it each month and you will pay it off faster and spend less on interest.
Good Luck
ps im a mortgage broker