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Before, I accept, I wanted to make sure I understand what you're saying. My question is also about hurting my case. You said we will not be at FURTHER risk...Does that mean that we did something wrong by taking a loan against the money? We haven't spent it and can put it back if we need to. We are just in desperate need of a car and don't know what else to do. We don't want to take out ANY loans right now, and this was our only option for getting a cheap car.... Can they take the car away if we buy it outright??