<prompt> Human: Hey all, Im wanting to build a new computer, roughly going to run me 1500 - 2000. I have no debt, outside of a vehicle loan, credit card has a zero balance. 4500 limit , and no monthly expenses. Own home cash, and rent out rooms to roommates that essentially pay all my bills. Id like to know what would be the best way to finance this purchase? I have the cash saved up, but Id rather use that for investments at the end of this year. Ive heard of consumer loans, but Ive never utalized that before, and have no experience with them I also cant finance with my current credit card because that might put me at over 30 utalization rate not to mention my interest rate is 18  <response>: Use cash, you arent going to get a reasonable rate on a small unsecured loan like that, and certainly not one that your investments would out-perform. If you dont have enough money to make your investments and build a new computer you need to decide which is higher priority and delay one or the other while you save andor bring in more income. 