<prompt> Human: I can afford to buy a car up to about 15k with a personal check, but is it better to get a loan? There are only two reasons I would get a loan: 1. It might be good for my credit but my score is already 700. 2. It would leave more money in my account that I could use later for a down payment on a property. I have pretty good income, so monthly payments would just be money that I dont save.Is getting a loan better, or should I just write them a check?  <response>: Its your money. Most people find paying cash is better, but if you are a sophisticated financier, then you might be able to find a way that a 2 loan is a good financial move. Paying interest to improve your credit score is backwards; you want a good credit score so you pay less in interest. 