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Dont get the car. Unless you can put enough down to have a small monthly payment its not worth trying to keep up on it right now.
You want to build credit, go get a credit card or two and use them. Dont max them out, always keep the balance low but use them. You will build your score faster with that than you will the car. Having a car payment that you maintain shows stability more than anything. My credit blows, im working it back up after a couple of mistakes (that were not entirely my fault to begin with IE: Dont let your inlaws put bills in your name)
The only reason I'm able to get such a low rate and high loans is because I have the relationship with my bank. I have a 620 credit score right now.. I have a 3.77% interest rate for 5 years on my FR-S you know what my car before that was? ~14% ... I'm paying just as much now for a more expensive car than I was back then simply because im not getting fucked on interest.
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