<prompt> Human: Hi PF, please excuse the throwaway account Im a private guy, but long time readerlurker of this great community. I grew up low income and this sub has seriously helped me. Im a single person, no kids who is about to take out a loan from a credit union to add solar to my house as a lifestyle choice. Im also looking to buy a new car. Im wondering which I should do first, car or loan, if it matters at all. I really appreciate any input. Facts and figures:Gross income: 180K-210K depending on the year. Mortgage: 2.5Kmonth, Fico: 770Solar Loan: 35k, 20 year 4.5, 220monthCurrent car: 385month will sell and pocket about 5KNext car: 64K, 7 year, 3.5 860monthWork pays car expenses: 415month for vehicle, plus .23mi, I drive 1000-1500 miles per month. Net for new car is 849-415-230 220ish monthCredit cards: paid off this year! current credit limits total around 35KMy thought is that neither new vehicle nor solar loan will put me up against a DTI ceiling and neither will gum up my utilization rate too bad not sure that even applies for these types of loans. Which one should I do first? Thanks a bunch.  <response>: 7 year loan on a car is insanity. 