<prompt> Human: Hi all,First time posting here, but been heeding PF advice for quite some time now. I totaled my paid off car from 2004 two weeks ago and am getting ready to purchase a new one. Ive decided to splurge and get something decent to hopefully run into the ground. The car is going to cost around 25-30k. I have enough cash to pay for the car and still have an emergency fund built out, but was thinking that perhaps taking out a loan would help me build my credit.Im 32 and my credit karmamintdiscover credit scores bounce between 790-810. I have one credit card that I use for everything except rent and pay off monthly 1k, around 6.2k in student loans, and have a Pandora credit account with no balance which I used to finance an engagement ring for 0 interest for a year. Ive had a small auto loan of around 10-15k in the past. Bi-weekly check after maxing retirement is around 2k; around 1k a month to rent, 150 to student loans, and maybe 1k for everything else a high estimate. My fiance and I will be getting married next year and we are planning on getting a house in the near future, in which Ill be doing a lot of the heavy lifting from a financial perspective. While I very much enjoy having no monthly payment, I was thinking given my credit usage has been pretty light, an auto loan might be beneficial for getting a lower rate when I want to get a mortgage in a year or two. More than willing to provide any more granular details, but wanted to get a sense if this was a viable thought, or if I should just pay cash. If it is viable, is there a recommended amount for a down payment? The car would be used so no 0 APR option for me. Thanks!  <response>: Dont waste money trying to boost your credit score. 