<prompt> Human: Im a college graduate looking to buy a used car for about 10,000. The used car dealer ran my credit and said I could get a 9 interest rate with no cosigner. My parents offered to just lend me the money somewhere between 0 and 1 interest. I also could just buy the car outright but it would entirely exhaust my savings outright. I have a pretty decent credit score already but its just from one credit card, so its a weak 750or-. Is it worth it to pay more and finance it at a higher interest rate but be increasing my credit score for later or should I take up my parents on their offer?  <response>: Do not pay 8 to 9 times more interest to build credit. Dont ever pay interest or fees to build credit. Thats foolish. Take the free money from your parents. Keep building your credit through credit card use. Increase the credit line, especially if the company will be doing it without a hard inquiry.You could get all the way to buying the Denver Broncos without having to increase your credit score by taking installment loans. 