<prompt> Human: Okay, so this situation is kind of normal compared to some of the stuff that people need help with here. Ive been working for my parents off the books for about seven years now, and Im looking to buy my first car. Since Ive never taken a loan, paid bills, or have any official work history, I dont have much in the way of positive credit. Im looking to buy a car for around 6,500, and I can pay cash for that. A friend of mine suggested, however, that I should put around 4-5000 down and then pay a decent chunk of it with a loan co-signed by my parents in order to build credit. I was wondering what plan of action would be best here. I know that this isnt a whole lot of information, so Ill offer any additional details in the comments. Edit: Thanks everyone. Borrowing money wasnt exactly my plan, was nice to have some reassurance that it was the better choice! Id respond to everyone personally but since it was similar advice, I just put it here.  <response>: Id just buy the car outright. You can do a lot simpler and less expensive tasks to build up credit...Best Buy, New Egg, Home Depot, Lowes, any big box or department store has some kind of special on 6 months no interest if you spend a certain amount of money. Go get that TV or lawnmower you know you need anyway and just pay it off in 2-3 months. Then, go get a solid credit card like Chase or something similar and just make your purchases on it. Pay it off at the end of your balance period every month. You dont have to spend extra money on interest on a vehicle to build a credit score. 