Bank loans - pay back decision?

I have two bank loans ( car) both interest free. One is for $11,000 over 15 months from today and the other is $29,000 over 44 months. I will have $12,000 from a sale in the next month or so. Which should I consider paying out first?

My logic is to pay the first one out so then ill have to pay only one loan for the remainder of the period. But my mom argues that pay the larger loan to reduce the period by half so that both loans end at about the same time and then I can take a housing loan later. I’m a bit confused. I can get the housing loan while one car loan still exists. Which option would be wise?