i have always worked and saved up for everything and waited til i had enough money and bought it outright.

i am currently saiving for a project(car) and am about halfway there. i will have enough saved in 3 months to complete.

tell me if im wrong, or if it is good or not. thanks.

1: just save and buy it outright

2: get a 3k loan, and pay it off in 3 months.

3: wait a lil while and get a smaller loan (2k) and pay it off in 2 months.

does getting a loan and paying it off sooner help to earn credit?
should i get a loan or is the credit not worth it.

im not too much worried about interest becasue it will be for a shor t time i was thinking on when i get a bill for the month, paying like 3 times the amount..

help is appreciated,