<prompt> Human: right now Im 19 with a good paying stable job and within a year or 2 I will be able to pay for a used f150 all in cash. but my dilemma is that I am 19 years old. I dont have any credit. I didnt have any college debt so Ive never had a loan. so I was wondering if I should make a very large down payment then pay off the rest in 3-6 months or just pay for it is all in cash?  <response>: No, you should never pay interest just to build credit. Pay it in cash. See the FAQ: 