Buy the car outright, honey. Your credit score is already great and there's absolutely NO reason to pay more for something when you don't have to.

We actually went through a pretty similar case study in the link below! It's a common consideration, and the answer is a little more nuanced than what I just wrote above. So give it a read if you're still not sure what to do:

Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash? 

Here's more advice on cars and loans:

Buying a Car with the Bitches, Part 1: How to Choose Your Car 

Buying a Car with the Bitches, Part 2: How to Pay for Your Car 

How To Save Money With Affordable Car Repairs 

I’m so exhausted. I did so much at storage this weekend. A total of 9.5 hours of going through stuff and moving boxes. It took so much out of me. Plus I’m worried about Chloe being sick and about it costing money and about having to buy a new car and having to take out an auto loan. I have rarely napped since starting the Provigil, but I’ve napped for a few hours every day this week, without feeling rested. I’m frustrated at how many recovery days I seem to need. Cfs/me really sucks when it flares. And I have to get up early again tomorrow because Chloe has a checkup appointment at 10:30. I think I’m going to sleep right where I am in the recliner because Chloe is comfortable in her hammock. This way I can have her near me and know she’s ok. I know I’m just babbling at this point. Thank the exhaustion and anxiety. I just want my girl to be ok, and I hate that I worry about the money as much as I worry about her getting better. Does that make me a horrible person?

Credit Report Questions and Answers

Credit Report Questions and Answers – DisputeWizard.com It is a written report (stored in computers comprised of the following information about your personal credit worthiness and debt repayment history. •Identification by name, address, spouse’s name, date of birth, Social Security number, telephone number, place of employment, mother’s maiden name, etc. •Credit inquiries – every time a…

We have a flexible Home Equity Line of Credit; that has a current introductory 2.99% APR (annual percentage rate) fixed for 12 months, variable APR of 3.75% - 7.00% thereafter*

(Loans are a subject to credit approval; meaning they will credit score check you...)

This is perfect if you’re trying to remodel your house, pay off some college tuition or student loan debts, non-profit organizations, or even to add a new car!

This isn’t a bad rate; it’s valid until the end of this month!! May 31, 2021.

If that’s not something you’re interested in, we also provide assistance for our Consumers; in loans for equipment (E.I. construction, dental, equipment you need for your small business!!), we also provide loans for Recreational Vehicles, personal, auto, student loans, credit cards, lines of credit, money markets, and CD’s/IRA’s....

For our Business Consumers; we provide business accounts (checking, money markets, CD’s/IRA and savings), business debit and credit cards, business line of credits, business loans, if you’re in real estate business we also provide occupied commercial real estate line of credit and loan, equipment loans, we also provide Business Complete, a service that offers a suite of useful products and services. For example; we have Merchant services similar to Square, if you use Square to ring up debit/credit card transactions, the rates for Square per say are high and with the assistance of Merchant we can lower the rate.

Our Private Banking experts also provide loans for boats!

IF YOU NEED TO APPLY FOR THE PPP LOAN THE ONLY BANK I KNOW SO FAR THAT STILL HAS FUNDS IS UNITY BANK IN HOUSTON, TX!!!!

If you know anyone in need of assistance; send them my way, I’ll provide the necessary contact information for bankers to come into contact with you! I am here to help, you scratch my back and I’ll scratch yours!

Please refer me as well!!

As of today, I paid off about 66% of my debt. I started 2019 with about $42,000 in loans (student and auto).

Not only should you go to another dealership, but you should tell the first dealership that you're going elsewhere and they're losing your business.

Car dealerships have quotas they need to meet every month. If they miss their quotas, they take home less money. So you should ABSOLUTELY punish their bad customer service by taking your business elsewhere. I did this once and it worked out just fine for me.

Here's more:

Buying a Car with the Bitches, Part 1: How to Choose Your Car 

Buying a Car with the Bitches, Part 2: How to Pay for Your Car