<prompt> Human: So obviously buying things in cash, results in a big thumbs up from this subreddit.I havent had any student loans, and fortunately dont have any debt whatsoever. However, I only have one credit cart with a limit of 1500. I usually pump about 1000 a month through this card in various expenses and pay off the balance at the end of the month. Ive only had this for 8 months, which results in not much credit history so far.Im looking at buy a vehicle around 15k next year. I believe Ill have the means to pay it off completely, however Im curious if itd be wise to take out say a 12 or 24 month loan and just pay it off month-by-month with the money that I would have originally paid it all up front with.Other info: 23 yrs old, 42k salary, saving 20-25 of my income, 3k in savings currently...plan to have 10k when I purchase the car and then trade in my vehicle for 5k.  <response>: If they give you a 0.0 loan, Id do it. 