Except the thing about all of the items you've mentioned is that you can get stupidly low rates, and in some cases no interest loans, my savings account interes

Except the thing about all of the items you've mentioned is that you can get stupidly low rates, and in some cases no interest loans, my savings account interest rate is higher than that of my car loan. You're better off taking out the loan to build credit at this point than just paying for something outright.