<prompt> Human: Hi, my girlfriend really wants to get an iPhone 7, and i have been looking all around for one before christmas, i currently have 200 in savings and even that isnt enough to buy a used one on Gumtree, would a bank allow me to take out a loan of around 150 which I could pay back over the course of a year?Assistant: You can pay monthly if you buy from an Apple Store Human: I dont think ill be able to keep up with the payments through an apple store wheras if i get it used, im bound to get it a lot more cheaperAssistant: Honestly if you cant afford 150 and have to take a 12 month loan on it you shouldnt buy her an iPhone in the first place. Im sure you can put your 200 in better use. I understand that you want to do something nice for her but its not a smart financial decision. Human: The thing is her phone is broken and obselete and its a need more than a want, i just want to get her something decent in the same apple ecosystem  <response>: The thing is, you cant afford to fix this problem for her. 