I got a 4k loan just to build credit; i pay $60-70 a month, usually less since I stay ahead of payments. That's how I bought the Starion (paid much less, extra was just for the stuff it would need once I got it.). It's kind of a pain sometimes, but in the end, I'm happy with the car thusfar. I've decided to keep it too haha. A small loan would be my recommendation, but we are talking about it since you're around.