Why do you think a car loan is unwise? If I can borrow $10k, that&#x27;s $10k I can do other things with, such as invest, or go on a vacation. Even a not-great rate of 5% over 3-years, that&#x27;s less than a thousand bucks more expensive than paying cash, and it&#x27;s spread out over three years.<p>I don&#x27;t mean to imply that getting a loan is <i>always</i> the right idea for <i>everyone</i>, but I think categorizing it as always &quot;less financially wise&quot; is wrong as well.