![Razz :P](./images/smilies/icon_razz.gif)
kork, but they are not taking on debt to build a deposit, they are just paying less than they would have on the car loan. So in comparison to their previous plan they are taking on more debt, but in comparison to their existing debt commitments they are not taking on anything more.
Moodyfish, they asked me for letters from both my and my wife's employers too. I'm sure those will help.