You could possibly make a decision It really is much better to use some more funds-on-hand to borrow less for just a temporary. However, you could insert the extra cash towards the loan amount of money for a longer expression so you don't need to dip into your emergency savings. https://jaidenvpuya.blogkoo.com/the-smart-trick-of-2800-loan-that-no-one-is-discussing-56693459