Not all respondents agreed that borrowing is acceptable.  9.3% of the responders did not feel that Christians should apply for auto loans but instead save enough cash to buy a used car.  Living close to work, school, the grocery store, and other destinations may make if feasible to not own a vehicle.  For those who have some distance to drive they should rely upon public transportation.

Fifty-seven respondents were unsure about this survey question mainly because of individual circumstances. Some people have other options, depending upon location, destination, and cash availability. There is also some debate in this group with trying to stay out of debt and not become a servant to the lender. Most Christians wholeheartedly agree on this point but sometimes there is no other option but to resort to auto loans. The most important thing is to acquire a low interest rate and not buy something that is too expensive to pay back. 

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