<prompt> Human: Im 18 and I got a job at Safeway about a month ago. I work 20-27 hr weeks and I live at home with my parents. I was gonna save up for a car but I thought that getting a loan might be better because it would build my credit. Is getting a loan a bad idea? My mom and dad can cosign and they have pretty solid credit scores. Im in WA if that helps. Thanks.  <response>: I advise just saving up and paying in cash. If you really want to build your credit you can get a secured credit car or non-secured if your credit is good enough and just use it and pay it off every month. 