<prompt> Human: Ii currently dont have really any credit, and Im looking into buying a new truck and was wondering if I should take a single loan out for 28k at my local credit union, or, take a loan out for 18k, then take another one at my place of work for 10k. I work for a municipal and we have our own private credit union, and the loan for 10k will be directly withdrawn from my paycheck. EDIT: sorry for the lack of information everyone. Im a 3rd step Apprentice Lineman making 38.92 hourly, with a minimum of 10 hours of overtime per week. I can pay cash, as I have with my motorcycle, and my weekend car, but I have a nasty habit of buying cash, and only recently got a credit card, roughly 6 months ago. Now that Im looking to get away from renting, and want to buy property, I need to build my credit. I can get the loan through work, but since its a private credit union they dont report credit to anyone, so its like I never got a loan in the first place. Private credit union is 2.999 and my bank is doing a loyalty promotion right now for 2.999 also.  <response>: Sounds to me like youre buying more truck than you can afford. 