<prompt> Human: Just to preface this, Im mostly interested in the loan to build credit. Im just shy of being able to buy a car with cash while preserving my rainy day fund. I have 0 credit going into it so I have a co-signer. My thought is to take out a 9k loan, pay off 7k the next day and pay the other 2k off over the next 6 months. I was told that you need to have a loan for 6 months to get credit for it.Thoughts?Edit to make this more concise.Am I better off:A: Taking the smallest loan possible and paying it off at normal monthly payments. B: Taking out a bigger loan than I actually need but paying most of it off upfront then paying off the rest over time.C: Something I havent thought of.  <response>: Sounds like a waste of money. You should just have a credit card that you pay your monthly expenses to it and pay it off before you incur interest. You will build credit up quickly that way. 