<prompt> Human: So long story short, I have a credit score of around 500. My car got totaled by a drunk driver while it was parked outside my apartment. My insurance paid it off and I got a check for 600. Now, I have a 401k with the company I work for. You can take loans out at a 5 interest rate, and that interest literally just goes right back into your 401k. Ive used it a couple times before for like unexpected car repairs and random big stuff like that. Take out a 12 month loan for 1500, its paid off directly out of your paycheck for 12 months.So. Last car I bought I needed like 2500 down on. It was a 12k car. The interest rate was like 21. This means my new loan is gonna be probably around 21 for my new car. Whatever, I deserve it cause I have bad credit.Question is, if I go to buy a 18k car, would you guys recommend putting whatever down payment I need and then having the rest on that 21 interest loan, OR do I throw like a 10k loan from my 401k towards it as a down payment thereby placing a huge chunk of the cars price on a much lower interest rate loan where I actually make that interest back?If this is the no brainer I think it is, sorry for posting, just wanted to make sure with such a huge amount of money. If this is unexpectedly a terrible idea, please then let me know haha. Thank you!  <response>: Borrowing from your 401K for a car is silly. Id work on repairing your credit. 