<prompt> Human: My credit score is 723-728 currently at 7,400 credit line with a Utilization of 5. I want a nice and luxurious car. Definitely a coupe with an exterior color of black. I want my credit score to go above 800 and figured financing a car can help do so. Money is not an issue however Im not one to waste money on interest. What would you say I should do and why? Also any recommendations for a coupe?  <response>: Consider purchasing a car that you can afford to pay for with cash without using your emergency fund. A low interest loan is fine if youd prefer to invest your money instead, but dont use a low interest rate or available financing as justification to spend money that you dont have on a luxury. 