What happens if you pay off a personal loan early?

"Personal loans can be a convenient and affordable way to cover a large expense and improve your credit history when used responsibly. But as with any financial tool, you should carefully consider whether your circumstances will allow you to get the most benefit from a personal loan. Paying off the loan early can put you in a situation where you must pay a prepayment penalty, potentially undoing any money you’d save on interest, and it can also impact your credit history."