My niece loaned her Bernina and it cost her $79.00 because the lady used the wrong brand needle and threw the timing off. The worst part is she did not even tell her when she returned it. The repairman showed my niece the singer needle. I would be very hesitant to loan my machine unless the person had the same model I was loaning and took care of her machines...cleaning, oiling, changing needles, etc.