<prompt> Human: My car was around 9 grand so I decided to pay off half on the spot and finance the other half so build credit, Ive payed just over a thousand already and am thinking about selling the car and getting a motorcycle, how would I do this and would it negatively affect my credit? Also I live in California in the US.Edit: I have the money already didnt get a loan, worded wrong, Im just paying it off monthlyAssistant: Dont worry about the effect on your credit when deciding on something that would save you money. Taking the loan in the first place if you didnt need it was unnecessary.Human: It was a good idea actually I was 18 and needed to build credit.  <response>: Thats when you get a credit card. Building credit by paying interest for no reason is almost never a good idea. 