<prompt> Human: I have nothing to show on a credit report since I only got a job a few years ago and only paid stuff from that. I am in the market for a newused vehicle anyway and dont know how to do this right. I could pay cash for it if I had to but this seems like a perfect opportunity to try and build credit off of a loan.The vehicle is going to be 15k and somewhere between 2003-2010.The two options Ive looked at are a 6.5 loan at my credit union and a 3.5 loan at my fathers main bank. He has an account at both and can co-sign the loan.I fully intend to get the loan and walk in the next day and pay most of it off, but dont know a good length of time to keep it alive so I can build credit off of it. The 3.5 has a fee of 100 for paying it early unless you have more than that in interest, the 6.5 does not.Any help on this would greatly appreciated.  <response>: Dont build credit by paying interest. Build credit by being responsible with a credit card. 