<prompt> Human: Hi all, the title pretty much says it all. To me its ridiculous that one should have to finance a vehicle and pay more in the long run to build credit. I have the money, how do I make sure this purchase positively affects my credit when I buy this? Thank you in advance. Edit: So many helpful responses. Thanks guys. I will have to use this incredible sub more often for finance questions!  <response>: Never pay interest to build credit.Although some dealers will give you a discount if you get a loan through them. Someone on this sub got 2000 off for getting a loan through the dealer, then paid off the car the next day, saving 2000. 