<prompt> Human: My girlfriend has just moved to the US within the last year, and thus has no real credit rating. She is looking to purchase her first car. Heres the tricky part: She has the money in the bank to buy the car straight out. The car is 15kShe is considering getting a car loan to build credit, although the best she can find is 12 interest rate due to the lack of credit history. We were hoping that you guys may have a better idea of how she could build her credit rating. Paying 12 on this loan seems like a pretty expensive investment in the credit score, especially when its not technically necessary to obtain the car  <response>: Just pay in cash. Taking out loans you dont need for the sake of building your credit score is silly. 