One recent thread on a related topic...
GoCreditGo! wrote:750s. Just learned that there are no fees to finance - those fees are for licensing, etc. The interest is 0.9%
Is that 750 based on having one or two credit cards for a total of like 7 or 8 months? Or based on having several cards for a few years with a few inquiries?
Your answer may change my current thinking, but...
I would purchase it outright and not bother financing it. Some people do report major FICO gains when paying off an installment loan, but a lot of those people have really bad starting FICOs and aren't in the same shoes as you.
You really don't want to invest the money. There is nowhere you can keep the money and earn a rate above 0.9% after taxes while keeping it very liquid. I would make an exception, though, if you are able to make a Roth IRA/401(k) contribution while financing the car that you could not otherwise make if you bought the car outright.