You do have a number of genuine needs as we all do, but you want to know that they 
warrant a loan before you borrow money to service them. In addition, you should see that the loan is capable of paying for itself. Anything short of that defeats the purpose of the borrowing.
Never allow yourself to be pressured or hurried into something that you are not ready for. A loan is a serious thing that you will be saddled for the next few weeks or months till you pay it back. Don’t let anyone but yourself determine how it is going to be, and who you are going to borrow from.
When you have to buy a new car, you are likely going to need to borrow money. It is simply rare to have a situation in which all of that money for a car will be complete right out of your pocket. You might need to buffer up by talking to a bank or a friend, or some lender. The only thing you will need to work on is the nature of the money you are borrowing.
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