In other words, I have a car and right now I had it financel from a place called Pioneer credit. I was thinking since I already had payments with them that maybe I can get small loan for christmas. Would they be able to give me a loan like that and would they be able to just add that amount I borrow on top of the total balance of my car payment?

Auto finance is what I do for a living and that is going to be totally up to your lender to decide.

But as long as you have had the loan long enough, have a good payment history, budget for the higher payment and most importantly have some equity in your vehicle, your chances are very good.

Source(s):
Finance Manager for a car dealer for over 9-years.