<prompt> Human: I have 10,000 saved up for a car, Im 18, taking some time off school and I have a full time job where I earn around 3k monthly. I have decided on getting a 2010-2012 Honda Civic and Ive found a few within my price range. Thing is that I dont have credit. I just got a new phone on contract yesterday and thats the only thing on my credit report. Should I just take a car loan and pay it off slowly? Or just buy the car out right? A few more info about me:I live with my parents, so no rentutilities for now. PpppOnly bills I pay are my phone bill, Netflix, Spotify, car insurance and gas. I have 25,000 saved up in total and my plan is to graduate univerity debt free but I also want to build good credit. What would you guys recommend?  <response>: Buy a 5k civic outright 