Well I borrowed from my 401k to buy a really nice 86 IROC. BJUICE knows the car I am talking about. It was way cheaper to do it that way, I did pay myself back w/ interest so that was good, plus I had the money in just a couple of days and was able to get what I wanted without going through all the hoops from a "normal"lender. I did it so I had it paid back within a year and it worked great.