It depends on what you want to do. you could
1. graduate early and try to apply at some schools. I would assume, however, that chances of being accepted at a top-notch program are rather small
2. graduate early and work as a research assistant. You don't make a lot of money but at least you don't have to pay tuition for another year and chances are better to make publications
3. stick it out, take more psych classes (potentially grad classes, especially if you are in the honors program they let you do it), have more time to work on your honors thesis which you also might want to publish if you get nice results.
As for myself, I could graduate in only 3 years myself, the only thing that's holding me back (besides the fact that I am international and would have visa and therefore work issues) is that I will be finishing an honors thesis (which I couldn't in 3 years) and take graduate classes which is always a plus.
