<prompt> Human: So the car is 10k. All together I have 15k. Thats all I have. Currently Im living with my parents, so rent isnt a concern for now. My monthly income is around 2400. Theres one small detail you should know also, its that I have an all-inclusive bank account and a gold visa, which I pay no fees for AS LONG as I have a minimum of 5k in my account. So obviously I dont want to go below that amount. I could buy the car, and then slowly start saving again from my salary, or open a line of credit and pay it back over a certain amount of time, thus having more cash available just in case of emergency. What would you recommend? And if you recommend to go the line of credit route, how long would you recommend I take to pay off that 10k loan?P.S. Im sure a lot of you will say Im an idiot all together for buying a car at all for that amount. But I was always a car guy since I was a kid, and really it would be kind of like fulfilling a dream. I could get a cheaper car of course, but obviously it would be older and more beat up, which is a double-edged sword. Assistant: Why not just get an actual car loan?Human: Well, obviously getting financing from a dealership would give me the worst interest rates. Im not sure about the bank, but I was under the impression that credit lines have better interest rates than if I were to get a car loan?  <response>: I was under the impression that credit lines have better interest rates than if I were to get a car loan?No, risk and reward go hand in hand, thus an unsecured loan will tend to have higher interest than a secured loan. For example, my bank offers car loans starting at 2.09, and personal loans starting at 8.74. 