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You need a new financial advisor. Them telling you to get the longest loan possible to pay it off early is just wrong and stupid.
The real question is if you have the cash to fix the car. If you have the liquid cash in hand to fix it, and some savings beyond that, it might not be that bad (it's a bad idea but not the worst). If you don't have the cash in hand and will be taking on .pre debt to fix it, it's literally one of the worst ideas you could have. Like taking the loan and using it to buy lottery tickets wouldn't be that much worse of an idea, that's how bad of an idea it is.
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