<prompt> Human: Hi, so my husband and I are going to be buying a used car soon. We have the savings to buy it with cash 16000, but are considering putting down a down payment of half and taking out a loan for the remainder to improve our credit score. The dealership offered us an APR of 3.95.We both have good credit, in the 700s. I paid off my student loans 5 years ago and we are good about paying off our credit cards. No kids or bills other than rent and utilities. Were both steadily employed and paying outright for the car would be about half our savings. We are looking at purchasing a house in the next 2 years. Would taking out a loan be a good financial move for us or would it be better to buy outright? Thank you!  <response>: No. It is not worth to pay to increase a credit score. 