<prompt> Human: I need a car and was looking into financing a vehicle or getting a car loan through my bank for a cheap daily driver. However, I am getting married in 3 months and may need to get a personal loan to cover finalunexpected expenses. Would buying a vehicle like this reduce the amount I could borrow in a personal loan or even keep me from being approved at all?Also, I viewed my credit report last week. My credit history is very good with a secured credit card and cosigning a loan through a credit union, but my credit history is only six months long because Im a new graduate.Thanks for any advice.  <response>: Everyone here will tell you to take the bus to work for a few years while you save for an old beater instead of buying one now, and get married behind the Wendys to save money, so be prepared for that. To answer your question, yes, the car loan will make it harder to get a personal loan, because your credit score is largely influenced by the amount of debt you carry. Also, another thing to mention. While it is bad to go into debt for a car, you have very little credit history, and if you save for the wedding, save for a car, and buy everything with cash, you will continue to have very little credit history. This will make it much more difficult and expensive to buy a house down the line. You will lose money to interest if you finance a car, but you may recoup that money from a lower interest rate when you buy a house because you have actual credit history. I graduated from college with a credit score of almost 800, but it didnt mean squat until I actually borrowed money to buy a car and started paying it back on time. 