<prompt> Human: I just applied for a car loan for the first time. I got approved for more than the amount I requested, but the 6.6 interest rate seems kind of high. My credit score is around 800 so I was expecting something lower. Is this normal, or what would be a reason it might be that high? I can pay for the car with cash if I need to, would that be a smarter decision with that high an interest rate?Thanks for any help. Update: Bank of America approved me for a 4 loan and has my credit at 780 which kind of makes sense given that Ive recently moved and started a new job and had credit checks for apartments. Still waiting on credit unions but will probably try to pay in cash. I appreciate everyones advice!Assistant: 6.6 is high if you have good credit. Who is giving you that quote? Generally youll get the best financing right through the dealer or through a credit union. When I was shopping for my last car my best quote came from I can pay for the car with cash if I need to, would that be a smarter decision with that high an interest rate?Yes.Human: Its through USAA. I have a bank account through them but its new if that makes any difference. Would taking out a loan now help me out in the future as far as getting future loans with lower interest?  <response>: Try a credit union. When shopping for a vehicle about a year ago USAA quoted us a much higher rate then any one else. We have similar credit scores as well. 