Extra Investment vs Paying Car loan faster

Hi Everyone,

Long term lurker, first time poster so please forgive any mistakes. But I had a question about contributing extra towards a car loan or towards my brokerage: I am about to take out a 22.5k loan over 60 months @ 5.09%. I also have an existing brokerage account where I buy 80/20 VTI/VXUS every pay period. By my calculations, as long as my annual average is beating 5.2%, I come out on top investing instead of paying extra towards the loan, but I wanted to see if I was missing something in my calculations. For additional context, I also have an emergency fund set up in a HYSA.