<prompt> Human: Hello. I am writing in hopes of getting some advice on a serious decision that I dont feel like I have experience dealing with. For context, this is in England. Ive gotten an offer from a friend of my brother in law to buy a 2010 Audi A3 1.6 TDI S-Line top trim level The car has a lot of mileage but the friend is a mechanic, so he is offering a free service with timing belts etc. as well as 5 new and very good looking wheels. The car itself looks great condition wise with no rust and he wants 5500 pounds for it. My current car has just failed an MOT, it failed on expensive bits if I would have to fix them at the mechanics BUT my brother in law has helped me fix them extremely cheaply and it should pass. The car is 13 years old and I dont know how long until something else will break. Ive had it for 2 years. The car itself is super basic but it was extremely reliable up until this point. So personally, I was thinking to sell my current car for about 600 pounds optimistically, then stack it on top of my bank account balance to have about 1800 pounds. Then get a loan for the remainder and do monstrous amount of over-time at work to rapidly pay it off. I wouldnt normally consider this, but the car is really nice, has great new wheels and sort of a guarantee from the friendly mechanic. Its a massive step up from my current car. Now this personally wouldnt be a problem, I would only need about 3k of a loan, pay it off, done dusted. BUT my sister has jumped on the bandwagon. And basically said to get a loan of about 16k instead, pay off all of the family credit cards, then pay off the loan as the return 37; would be lower. She pays off her credit cards mind you, its just shes one of these who treats a credit card as a direct extension of her debit card. She justifies this with the fact that this would improve her credit score, allowing her to take a mortgage for the house, and then she would transfer the loan to herself fully she would of course pay towards it before as well In terms of earnings I earn 1300 per month but can do monstrous amount of overtime to skyrocket my income. So, does this look ok to you guys? to reitarate:- I am 21 years old- My sister is trustworthy albeit not exactly frugal with money for furniture and kids stuff etc. - My spending habits are low Thank you for reading, and any help provided.  <response>: No way in hell would I do that. If she wants to take out the loan, more power to her but I wouldnt put MY name on all that debt. Youll be the one they come after. 