Whether or not to make a loan depends on what you buy and how much you need the goods.
I have a mortgage. My husband and I pay a loan to buy an apartment. For the apartment we buy furniture and accessories without the use of credits. Recently bought a plastic window box https://getpotted.com/planters/style-window/ for planting plants. The online store has a lot of choice and the prices are quite acceptable. I didn't need a loan.
Edited by lianot on 03/22/20 05:03 AM.