Mom-To-Be Warned Not To Take Out Loan To Fund Partner's Car: 'Manipulated'

A mom-to-be has been warned against taking a loan out to finance her partner's car, as she explained he'd made "silly financial decisions" when he was younger.

The heavily pregnant woman shared her dilemma in a Mumsnet post, under username Queen736, as she explained her and her partner have been dating for four years, and are expecting a baby boy soon.

She said: "He made some pretty silly financial decisions when he was younger which has led to bad credit and him unable to obtain a finance agreement for the new car he wants.

"He has asked me to take out the finance agreement in my name and he will pay me the money every month.

"My issue is I don't feel comfortable taking on this amount of credit (it is quite a considerable amount) and feel that this will affect me when I want to get a new car in the future—I currently own my car outright but have recently been looking to purchase a new car on finance...

"Surely having his car in my name too would prevent me from doing this as I would not pass the affordability checks? Am I being selfish or is this just a normal thing that people do for their partners?"

File photo of woman in a car.
File photo of woman in a car holding money. A mom-to-be has been warned against taking a loan out to fund her partner's car. alfexe/Getty Images

Her post, which can be read here, has racked up more than 250 responses since being shared last week, as people overwhelmingly advised her not to do it.

Shouldbedoing advised: "Don't do it. The debt will be yours."

Starspangledrodeo said: "Not being selfish and you absolutely shouldn't do it, especially if you're not married. You will be solely liable for the debt should he be unable to pay at any point."

Danikm151 commented: "Don't do it. There will come a time when he says oh I don't have enough money this month. Then you are in arrears on your credit."

AgentJohnson replied: "Hell no!!!!!!! What's he doing to repair his credit? He'll either have to save up or repair his credit to afford his car, you taking out alone isn't an option. Stand firm!"

Pjani thought: "He might want a new car but it sounds like he can't afford it. He should save up. Definitely don't do this! Your gut is telling you no for a reason."

While Lingoflaming added: "Absolutely no way would I be doing this. He needs to work on improving his credit rating and clearing outstanding debt first."

"With everyone else including Judge Judy on this one, please do NOT do it," 123becauseicouldntthinkofone commented.

As the post blew up, she shared more information, revealing the car cost around 20,000, as she added: "Thanks everyone. He's currently using the 'but I thought you loved me' line on me. I feel very manipulated and emotional and it's the last thing I need while being heavily pregnant.

"There was an argument last night as I felt emotionally manipulated and put under pressure. I also argued the point that it is absolutely ridiculous to be considering purchasing a 20k car just before the arrival of our child. I think the message got through because he is now looking at significantly cheaper cars (well he had no choice really!)"

Ultimately, she revealed how it ended, saying: "He has now found and bought a much cheaper car and has since apologized for his behavior."

The chart below, provided by Statista, shows the most popular cars in the U.S.

Infographic: Most Popular Cars Fall Short of Fuel Economy Standard | Statista You will find more infographics at Statista

Aside from the online warnings, taking out a finance agreement for someone else is classed as fronting, according to loan site OceanFinance.

They warned: "You can buy a car for somebody else or contribute towards their car fund, even if they are looking to purchase using car finance.

"However, it is illegal to apply for either Hire Purchase or PCP [personal contract purchase] finance on behalf of someone else. This is known as fronting and is classed as fraud.

"Your finance agreement will be dependent on your financial history as well as other personal factors, so if you take out an agreement in somebody else's name, the information that the finance company have will be incorrect."

They claimed anyone found "fronting" could face a fine, six points on their driving license, a penalty system used in the U.K. where the woman is thought to be based, or a criminal record.

Some options are co-signing the car finance agreement or getting a guarantor, the site noted.