<prompt> Human: Im finally about to pull the trigger on making my first car purchase. My parents are gracious enough to offer to pay for the car outright. I would just repay them in monthly installments with no interest. This sounds like a great deal, but would it be wiser to find a low interest rate loan through a dealership or bank in order to boost my credit? I already have a credit rating of 760 from years of using credit cards and keeping a low balance. However, an auto loan would help even further when it comes time to buy a house, right? What are your thoughts?Edit to add additional info on my situation:Car will be 30,000 out the door. Im putting 10,000 of my own money down. I have zero debt and pre-tax salary is 90,000.Edit 2: For credit cards, I have always paid the minimum amount due for each cycle. However, my total account balance may be a couple hundred from time to time. Sorry for the confusion.  <response>: Never pay interest to build credit. Having a higher score isnt going to help you anyway at this point. But personally, I would rather pay a little interest than be in debt to family. Not saying you shouldnt take your parents up on their offer, but personally I wouldnt. You cant get 0 through the dealership?Also, stop carrying a balance on your credit card. 