<prompt> Human: This is more of a cashflow problem than a, Im not sure if I can afford this problem. I could actually afford a much more expensive car, but am going with a moderate choice because it has everything I want.My old car, a 1999 model year, is leaking engine oil and is beyond repairable. I would buy a used car, but as you can see, we keep our cars until they die and I would rather buy something that I know has been treated right from the beginning. I make good money and am in a safe job. I can pay off the new car in cash, but at 1.9 it seems worth it to just take the loan and set it to autopay rather than use up a chunk of cash savings outright. I have a relatively large pile of cash; I started earning good money last year and didnt put it in the market for a variety of reason but I am now regularly contributing to my savings retirement dollar cost averaging - dont want to put it all in at once. Should I buy the car outright or take the loan?  <response>: Honestly, at 1.9 Id take the loan and invest some of your large cash pile. Youll probably come out ahead at the end of the loan. 