I trust you all in this case and take heed to your advice but isn't a small personal loan harder to obtain especially with that small of a dollar AMT. I have the cash to pay for the car and a little APR doesnt scare me just want an installment acct on my report. I would pay it off by this time next year and hopefully be able to apply for a mortage by then. But if a personal loan looks better to lendors then thats is what im going to do! Could I also take out a small personal loan to buy the car and put the cash away to make payments?
Thanks again everyone. Your advice is invaluable and appreciated
Starting Score: 530 (EQ) 03-2012