<prompt> Human: My mom has offered to sell me her 2008 Civic Hybrid for 4k USD. We currently have a 2004 Jeep Liberty which, after new spark plugs, is running well and has about 3.3K left on the note. My wifes 2004 Ion has about 600 remaining and also run great. I wanted to get the Honda as my commute is quite long and the Jeep is far from economical. My wife just uses her car to get the kiddos from school and the odd trip here and there.I have an established account with a local credit union and they would be able to offer a loan for the full amount with a decent APR. I cant, however, refinance my Jeep as its beyond their 10 year age limit. One idea Im floating in my mind is taking a loan that could cover the Civic AND allow me to pay the remainder of the Jeeps loan. I just dont know if thats possible and thats what Im hoping to find out here.  <response>: You have two cars, both running well. The one you drive daily isnt very economical and the one your wife drives for short errands is. Why not switch cars? 