<prompt> Human: So I currently have an auto loan out for 2000 and my apr is crazy high like 24, I was wondering if getting a personal loan from a credit union and paying off the car with that loan is allowed. The credit union I am looking to go to says they have 4 apr options. Also lastly, I wanted the loan out for 4000 because I also want to buy something else. Would I get approved for 4000 with a credit score of 720 but a low income of only 800 a month? Thanks in advance.  <response>: it is allowed, getting the loan isnt super likely.earning 800 and wanting to borrow another 2k to buy something is not a wise plan. Save the 2k, then buy it. 