<prompt> Human: Will I be missing out on a good opportunity to improve my credit if I get a personal used auto loan from a family member vs. getting that same auto loan from a bankcredit union? My interest rate will most likely be lower from said family member.My FICO score is in the 800s with on time payments on multiple credit cards.Im 30 years old and my goal is to someday own a home.  <response>: You already have great credit, so you dont need to add more loans to make it better. If the family rate is considerably lower, that is the correct choice, at least mathematically. However, please keep in mind that mixing money and family can have DISASTROUS results. You never know what life may bring, and if you arent able to pay someday, that could cause issues. Find out how much money you would truly be saving over the loan and decide if it is worth it. 