<prompt> Human: Im looking to buy a used car in the 15-18k range.I could buy a 15k car in cash and still have over 6 months of living expenses in the bank, I have about 40k to my name now.Should I do this or go for a low APR loan, as I have great credit? Ive never bought a car before, let alone anything this expensive, so the thought of just pulling 15-18k right out of the bank feels scary. Also, I will likely be buying my first home in the next 2 to 4 years, so having cash on hand for that downpayment may be wise?Edit: Thanks all for the responses!  <response>: I believe general consensus is dont take on debt in order to build credit. But if your reason is to keep cash in hand, that is different. 