<prompt> Human: CA, USA need to buy another car in the next few months... have great credit and no debt. used models im interested in seem to be 20k range.i could get away with paying cash but the issue is that my credit union has loans of 1.45 3 years or 1.85 5 years. seems wiser to invest keep invested the 20k and budget monthly for the loan payment. no origin fee or prepayment penalty if i change my mind.agnostic about the impact of loan to credit score.thoughts?  <response>: Agreed. 2 is a great rate and you stand to have more money in the long-run if you invest that money instead. Id say take the 5-year loan and invest the rest. 