Save that cash, and put a turbo on that Mystique. Keep the "content" of the 98 and enjoy the power of the turbo. If you're into handling, get the BAT kit and my rear strut tower bar. If you want an SVT for looks, get the two bumpers and sideskirts for the SVT and put them on your car.
Problem solved AND you get the car paid off sooner. Just pay off the personal loan for the other stuff later :p
Oh, and light blue means SLEEPER!