<prompt> Human: My current car is fully paid for and Im looking for a car loan of roughly 4k, a sum too small for most lenders. If I got a loan for e.g. twice that amount, aside from paying the additional interest, are there any other drawbacks? Do I get to keep the excess funds to spend on whatever? Better yet, could I just immediately repay the excess funds so I ultimately only borrow the 4k I need?  <response>: Why not just wait until you have the money to buy the new car outright, since its a relatively small amount? 