Personally I would be very careful doing that. Spend now, earn later is against general consensus of running your finances well. What would happen if you spent money, and you were in a situation (e.g. accident) that meant you couldn't pay it back?
The better way forward is keeping an eye on what you'd like, earning enough disposable income until you can afford it, and then purchasing it. It'll be more rewarding and secure that way!x
Much love <3