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weymouth | Need to borrow some money, my credit rating is good, is it cheaper to use credit card or bank loan? |
need to borrow some money, found a credit card that offers 0% interest for the first sixteen months. Or i could arrange a bank loan. What is the cheapest way of borrowing the money, i could pay back loan within 16 months |
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Bono N
 |
cardnow.undonet.com - my family uses this card. They don't charge monthly fee and provide 0% interest rate for 12-18 months. |
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Southern Belle ☆
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If the card has 0% interest then you'd be better off using it. |
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fishywiki
|
Read the small print on the credit card. It's likely that the 0% is on balance transfers, i.e. what you owe on other credit cards, and it probably excludes cash advances. If it really allows you to borrow the money for 16months interest-free, that's the way to go.
However, most credit cards charge around %20 APR, while a bank loan will be around %7-%9, depending on you and what you plan on using the money for, so the bank will normally be much cheaper. |
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Andy E
 |
The problem with a credit card at 0% is that it won't cover cash advances. If you make a cash advance on the credit card, interest will be payable immediately plus there will be a 2.5-3% handling fee for withdrawing the cash.
The 0% rate only ever applies to balance transfers.
Do you have an outstanding credit card balance elsewhere?
Take this example;
You already owe £5k to Halifax credit card. You wanted to borrow £3k cash.
You apply for and get the Virgin card with 0% for 16 months. You transfer the full £5k to Virgin.
You withdraw £3k on the Halifax card. They charge you 2.5% for the privilege (£75)
Yes, the money on the Virgin card is interest free (for 16 months) but you're now paying a whacking 20%+ for the cash advance on the 3k. AND if slip on the repayments (to the minimum amount) soon enough you're paying interest on both cards!
Halifax are offering loans at 8.9% You might find that cheaper than playing the credit cards. Or you could side-step the banks altogether and go to Zopa ( http://redo.me.uk/zopa ) who match borrowers with lenders and now have a quarter of a million UK accounts. |
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Lily B Talus
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credit card |
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lauritzus
|
I never heard of credit card 16 months @ 0%. If that is true then go for it but remember to read the fine print. It sound like this credit card is kind of tricky. Just to be safe...read the fine(small) print first. |
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DMJ
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I would use the "credit card" for 16 months @ 0%.
Seems better than a loan. |
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wildbirdie
 |
It sounds like you don't actually have this credit card yet. Will the limit be high enough for what you need? Some great deals are only for small amounts. Is the 0% offer only good for purchases or balance transfers? A simple loan against your card would be called a cash advance and not benefit from deals for a purchase or transfers. Are there other fees involved which would make it cheaper to just pay interest on a loan? |
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lbaker2656
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The credit card if you will pay it back in the 16 months. |
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GEORGE B
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Wow a credit card with 0% interest
Are you going to let the rest of us in on it
I think you will find it is only on balance transfer
Have a chat with your bank but I think you will find a personal bank loan far cheaper
Good luck |
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kirstywardrope86
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If you have a good credit rating i would have a look at http://www.loanfrombank.com some great deals there. |
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Jeff
 |
These days, it is almost impossible to stay out of debt; outside pressures from family or work can sometimes be the cause. All is not lost if you have acquired a bad credit score; there are many online bad credit loan lenders to help. Money provided to a person experiencing financial hardship is no different to any other type of loan and can be used by the applicant in the same way.
http://www.worldbestloans.com/
There are other reasons bad credit loans may be required such as for domestic emergencies, unforeseen circumstances or for consolidating previous debts. It is not uncommon for a person to arrange a loan just so they can repair their damaged credit history. They may not require the money for any specific situation. |
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