loan advice?

[osnap]

im not "worrying" about building credit, per se, but thats the primary reason im considering this route rather than just paying straight up over the summer. I just see it as a potential opportunity to kill 2 birds with 1 stone, is all. I dont desperately need the loan or anything, and Im not rushing into it - just exploring it as a possibility to simultaneously get something I want and build credit.

[Paree4g63]

im not "worrying" about building credit, per se, but thats the primary reason im considering this route rather than just paying straight up over the summer. I just see it as a potential opportunity to kill 2 birds with 1 stone, is all. I dont desperately need the loan or anything, and Im not rushing into it - just exploring it as a possibility to simultaneously get something I want and build credit.

I read all the posts on here and in my opinion...
**Apply for a credit card that has 0% interest for 6-12months or higher so you can pay it off faster and save money from the interest eating you up the first 6-12months. I think Discover has those features if you qualify. A 600 credit score is decent but not good enough to get the bigger things in life you'd want individually.

OR

Your current credit cards credit limit also increases depending on your credibility and how you've handled your payments. If you can get your credit limit to above $2k, you can then get your paint and body work done. If you can qualify, apply for a no interest card and do a transfer balance from your old card to your new one. Close the old credit card if you do not want more than one credit card and now you only have one good credit card left with no interest for 6-12months. Sounds good eh?

Another Alternative when you can't qualify for a no interest card or loan is...
***Ask your parents or a relative with good credit to co-sign with you but with them as the main borrower. Have your name under their name if applicable also. If your name can't be authorized under your buddy/family members name, then ask him/her if you can use their name to get a loan. Friends aren't a great idea to ask unless your really close ever since back in the day. Family members are more convenient to ask in these kinds of situations and they'll forgive you if all else fails. If you choose to use their name to help you.. It'll save you time and money and plus, it'll help your buddies/families credit score and yours also if you were already in debt.

I hoped I helped somewhat..
Good Luck