Mom Threatens Son After He Refused Taking Out Loan To Get A Car For His Younger Brother
This young worker is fighting to navigate a risky financial request from his mom.
A 22-year-old man (OP) who has been working full-time since he was 18 found himself at a difficult crossroads.
His mother recently asked him to take out a loan in his name for his younger brother, so she could buy him a car gift for graduating in flying colors.
On the surface, it seems like a simple request to support a family milestone, but the situation carried much more weight.
OP has been responsible with his finances, contributing to household bills when offered, and is careful about managing debt because of his job as a debt collector. He knows firsthand how loans taken on behalf of others can spiral out of control.
With his car loan nearly finished and plans for an overseas trip looming, he decided to decline his mother’s request, citing the risks involved.
This decision, however, didn’t sit well with his mother. She told him she wouldn’t help him anymore and accused him of being an a**hole.
Now, he’s stuck in a position where he feels he’s doing the responsible thing, but it has caused significant tension with the family.
The story shows how messy money matters can get in families and how tough it feels when you’re caught between helping someone you love and protecting your own stability.
Check out the full screenshots below to see how this situation unfolded and how the conversation between OP and his mother played out.
Let’s dig into the details
Reddit.comOP’s mom wants him to take out a loan in his name for his younger brother
Reddit.comShe wants to use the money to get a car gift for his brother, who just graduated with flying colors
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OP refused, causing his mom to threaten never to help him out with anything going forward
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OP added some extra info
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We gathered some interesting reactions from the Reddit community
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“She/they should be using their own credit, not yours, for this gift.”
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“It sounds like you mother wants to shirk ANY responsibility for paying back the loan by getting it in your name.”
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“The reason your mother has a low credit score is because she spends money on luxuries she can’t afford.”
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“If you took out the loan in your name and Mom couldn't pay, you would be screwed.”
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“NTA Your brother is 18 and an adult. He NEEDS to get a job and pay for it himself.”
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“My niece’s fiancé co-signed a car loan for his father. Dad reneged on the loan. Now fiancé’s credit score is tanked.”
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OP drew a clear line, and honestly, it was the only sensible move. A loan that size can wreck your credit if anything goes wrong, and he already knows that from his job.
His brother isn’t even licensed yet, so rushing to buy him a car feels off.
Finally, we can say that this is just OP protecting himself. With time, his mom may cool off and realize he acted responsibly, not selfishly.
How would you have handled this situation if you were in OP’s shoes? Share your thoughts in the comments.
