<prompt> Human: My wife and I 24 2 5 yo are planning on buying a new vehicle 25,000 at the end of the year. A quick financial overview: Married; Single Income at 55kyear before taxes No debt 60k liquid in savings By purchase date will have contributed 2013 full amount for two Roth IRAs and company 401k equivalentThings on the financial horizon: Kids in 1 year Buy a house in 5 yearsThe Question: Should we pay for the new vehicle in cash upfront OR attempt to get 0 very low financing period for a year and pay it off before it increases OR your suggestions? Also include which option might boost credit score the mostAppreciate any feedback :  <response>: All things being equal, 0 financing is a no brainer. Often times, however, the dealership gives you the low rate, but jacks up the price of the car. Not always though. I would negotiate the price of the car first. Tell them you have your own financing. Once you agree on a price, then discuss the possibility of getting low financing through the manufacturer. 