<prompt> Human: Should I use some of it to make a down payment on one, then continue making payments to build creditwhich I dont really have because Ive never taken any loans or had a credit card, or buy a used car with cash and not have to deal with a dealership. Any tips on how to deal with a car salesman would also be appreciated, thanks! Think I should also mention that I only make around 16,000 a year and live in TN. After housing and other bills I usually dont have much left over to save.  <response>: Dont tell them you have 5,000 to put down. 