Seriously unless your confident you can manage your finances and your modding bug without rellying on bonuses or overtime then I would not suggest getting a loan or credit card you don't need. You say your constantly stressing at work about it, is the car worth this stress? If the answers yes then stop the mods until you can comfortably afford to do them. You also need to keep in mind potential unforeseen expenditure incase anything breaks when your not expecting it. V6's in general are not cheap when they go wrong!