<prompt> Human: Hello rpersonalfinance! Im considering buying a motorcycle, and am considering different options for financing. My question boils down to: should I buy it outright, or pick up a loan for it?Background: Im a graduate student in my mid-twenties. Full ride for undergrad, so never had a loan. I expect to be in grad school for at least the next 5 years. Credit score estimated Creditkarma, Creditsesame to be around 740. Biggest negative impacts: only a few accounts just a couple credit cards, no loansmortgage, etc., and relative account age is only 1 year opened a few new accounts recently. The ride Im considering is pretty cheap, around 5k - I could, if I wanted, pay the whole thing in cash although Id be more likely to put it on a card for cash backpoints. On the other hand, a loan could help add to my credit history.Thank you in advance for your advice!  <response>: On the other hand, a loan could help add to my credit history.Meh. Throwing money away on interest for no reason. Your credit cards will be adding to your credit history. 