Just my personal opinion...life can change in an instant. I was in this predicament with my genesis coupe a few years ago. To finance, or lay down cash. We financed, and then I got sick, had to quit working, house needed repairs, etc. If we had gone cash route, yes we would have had almost not savings left, but wouldn't have that $XXX looming above our heads every month along with interest.

You may want to build your credit but personally if I were you, I would pay cash, and be done with it. Worry about your credit by some other means...medical expense credit card (Care Credit), small personal loan from local bank or credit union, a house, etc. They like to see long term arrangements, we're talking years...and see you pay on them for a long time. If you buy the car, pay it off quickly, you're not really doing yourself a big favor credit-wise. Just saying. No one bite my head off please, just sharing a bit of personal experience and advice. If I had it to do all over again, id have laid down cash in a heart beat.