<prompt> Human: First of all, thank you to the people who contributed to the Personal Finance Wiki, I really appreciate the information provided there. Hope Im not breaking any rules or being redundant even if this isnt the most thrilling question ever asked here.Heres my situation:Im 31. Last year I declared a no asset Chapter 7 bankruptcy Ive been a student with 1 year of student loans my whole life until last year when I had a costly medical emergency with lapsed insurance. Last month, my car was totaled, and I somewhat miraculously got 9,000 from my insurance company for it. I live in a small town and have a full-time and part-time job, so making it work without a car has been an incredible struggle.Im looking at used cars in the 6,000 to 7,000 range because I want to get something that will work for as long as possible. Since I have the money from my insurance company, I could buy a car outright, but a relative has advised me to partially finance it so I can start rebuilding my credit.How do I decide what percentage of the car to finance? Should I just buy a car in full since Ill be paying less that way? I want to maximize the positive impact on my financial situation that this bad situation can afford me, but Im not sure what difference it would make if I, say, pay back a 1000 loan for a person with shit for credit over a year, or 2 years, or if I pay back a larger loan over 1 year or more years.Anyone who knows, I would be incredibly grateful for your advice.Thanks.  <response>: Never take out a loan to build credit. This is a no brainer. Youd get raked over the coals on the interest rate too. Buy outright. 