<prompt> Human: First off, Im not sure if this is the right venue for this but Ill give it a shot anyways. I live in the States and I am close to closing a debt gap. off about 820.00. However, I just bought a car and the first payments are coming up - but soon. I didnt think I was going to get it but to my surprise I got it. The down side is that 820. I would like to clear it off my books asap, but Im already tied into this deal. because I dont have any family to borrow from to expunge the debt a co-worker suggested I give this place a try. Perhaps I could take out a personal loan from the bank pay off the 820 then set aside the rest and when tax time rolls around the time that Ill be able to repay the loan, unless I get that promotion sooner rather than later pay it off? not sure. what my options here are... if someone could fill me in that would be great. TL;DR: Have a small debt to clear. Not enough money yet to cover it, need time to appropriate the funds, however, APR could stand to be the enemy need ideas to acquire a small loan or the sum needed to clear the loan.  <response>: Im confused, you need to take out a loan for 820 so that you can pay an already existing loan for 820 so that you can buy a car... that you already bought? 