<prompt> Human: Alright, what options do I have on getting a vehicle. I work two jobs, both pay well. My boyfriend has a vehicle and he owes 10,000. With only 30k miles. He wants to get himself a truck. He offered to let me buy it off him. Should I get a loan to buy that vehicle off? Save up the amount and buy it? Or increase my credit and get my own vehicle? On KBB, with the condition the vehicle is in, it goes for 20k.Any questions and advice is much appreciated on how to go about this.  <response>: If youre positive youre getting a good deal and you want to buy it, you can either go to a lender and apply for the loan and use that money to buy it, or pay from your own cash. Interest rates are quite low right now and if your credit is at all decent I would do the loan. Dont take the loan unless your interest is at or below 5.Cash in hand is always more valuable than equity in a vehicle. Buying it with a loan allows you to maintain the ability to pay off said loan at any time while also maintaining the cash you have that you would have bought it with in case of emergency or a better option comes along as far as putting it to use. 