<prompt> Human: Hello everyone,I am 24 years old and I plan on purchasing my first vehicle on my 25th birthday cheaper insurance. By then I will have 12,000 saved up to purchase said vehicle. My initial plan was to buy a used car upright extremely surprised what 12K can get you: 2011 Civic, 2012 Mazda3, 2013 Elantra all around 50 to 80K on the odo just as a few examples I found on Autotrader.My father told me that was stupid and that I should buy a brand new car and build credit because I probably dont have much right now. I did however pay off my 14K student loan and do pay off my credit card in full without fail every month.I earn around 35K gross annually and live with my parents hence why I just want to buy a used car so I can save for the future.I am a bit old school and would prefer not to have any debt to pay off.Is it smarter to buy a car outright or purchase a brand new car to build credit?  <response>: No reason to buy a new car to build credit. Or anything for that matter. Credit cards will do just as good of a job and are free. 