<prompt> Human: 25 y.o., 680 credit score with a very short historygot my secured card 2 months ago Planning to spend 2500. Buying from a private party. Id like to either take out a loan my checking is with BoA or get a credit card.Whats the smartest way to handle this? I have money saved, but id rather take out a loancc to boost my credit.  <response>: Buy it in cash if its old I bet it is no ones going to finance it. 