<prompt> Human: My girlfriend currently has 2 auto loans. I am wondering if I should offer to lend the entirety of the Bike loan at a lower interest rate to save her time and money while also gaining a higher interest rate for myself compared to a savings account.Bike loan 8,350 remaining 15 Repayments of 318 month Expected final payment April 2019 7 month admin feesCar loan ?? Remaining ?? Repayment 510 month Expected Final payment December 2018Currently my savings account only generates 2 interest.If I lend 8,350 5 and receive regular repayments of 318 month I should get 500 interest from the loan 200 interest on the repayments 2 Gain just under an extra 400 compared to leaving money in savings account Save my girlfriend 1300 on interest and 4 months worth of repaymentsShes consistently made all repayments on time and weve been together for over a year. I understand the risks of lending to friends family.Does this seem like a good idea? Is there anything I havent considered? Have I messed up the formulas horribly? What about Tax?Updated Car Loan. Unsure on total remaining amount or interest rate. Could assume 12k - 13k 10.  <response>: It makes sense mathematically but its not a good idea in another other way. Unless youre a lawyer and can write up a fantastic loan agreement, you can afford to lose the money if something where to happen, and you two are the type of couple where somehow being her creditor doesnt hurt the relationship. I would strongly encourage her to try and refinance, which may be tough as far in the hole as she is with the bike, and if not to cut all expenses that she can to pay off this terrible mess of a bike loan as quick as possible. Theres no bike on the planet worth a 15 interest rate. 