Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Should I get a auto loan to diversify my credit lines if I have the cash to pay upfront
There is no need to get an auto loan just to try and affect your credit score. It is possible to have a score over 800 without any sort of auto loan. If you can afford to pay for the vehicle up front that is the better option. Even with special financing incentives it is better to pay up front if you can. Yes it is possible to use the funds to make more if you finance with a silly low interest rate, however it's also possible to lose a job or have some other financial disaster happen and need that money for something else making it more difficult to make the payment.  It may be just me but I find the peace of mind not having the payment to be worth a lot.