tax wise is it better to buy outright or make payments on new mowers and trucks? to this point i've paid cash for everything and was thinking it might be better to pay it off than buying it with cash. i've been told to buy the best and make payments and it will help with my taxes. my credit union told me i could get a loan but would have to freeze a part of my savings and will be paying it off with interest, but i might as well just pay cash for it. do banks loan without freezing my cash?