<prompt> Human: I recently graduated and am moving to a new area for work. I need a car, and have enough saved up to buy it without a loan 25k while leaving a reasonably sized emergency fund in savings. I plan on saving up for a down payment on a house, and possibly getting one down the road. Because housing in this area is quite expensive median is around 400k, it seems that building credit by taking out a loan on the car could perhaps be worth it. Is this a good idea?Ive found mixed information on the internet. I suspect it all comes down to the numbers, but I dont know how much of a credit score increase this loan would provide, and I dont know how much that would impact interest rates on a mortgage. So I cant do the math myself.Current situation:- Credit score is 740 Credit Karma- No prior installment-based credit no student loans, etc.- Credit based on two young 2 years credit cards  <response>: You dont have to pay interest to build credit, ever.Since you said the loan is unnecessary, thats your answer.Just keep using your credit card on everyday expenses, and pay it off in full every month. 