All of my cars ive paid for in cash. insurance is cheaper and payments suck. my wife has a car payment and its no fun. if you got 70% to put down and can get the rest in a few months just pay cash. just get another credit card and use them for gas or food and pay them off at the end of every month and youll have plenty of credit. especially wih the market right now use the card or theyll cancel the account.