You have all the rights to pay off your personal loan earlier before the end of the period.  In fact you are encouraged to do so that you can save some interest.

However, most financial institution will imposed early settlement penalty if you decided to settle the loan before the maturity date.

Please check with your lender about the early settlement penalty fees before making your decision, especially if you think of getting another personal loan with more attractive interest rate to settle the existing loan.

In any situation, it is a good sign that you are able to settle your personal loan earlier than expected.