new here and looking for some help.

I want to take out a personal loan. Nothing too big, just $3500-$4000. Its for a car im restoring, nothing important but something that I am passionate about.

My question is... what is the best way to go about this? I can get a loan through my bank(USAA) at 11%. Is this a decent rate or can I find lower somewhere else?

What about opening a credit card and just charging it on there? I see a lot of them offering 0% APR for the first 12 months. What is the catch with this?

Any other suggestions? My credit is good so im not worried about that, just looking for the cheapest way to do this. Thanks in advance

Peer to Peer loaning? You can check it out.

polo708 you can find cheaper rates for sure just look around.

A credit card is a good way to go. The low APR is usually temporary and will carry a penalty if not paid off within a certain time. If you go the credit card route make sure to pay if off as soon as you can.

Also since it's not a lot of money you need maybe take a look at some friends or family for the financial help you need to complete the car.

good luck...

Just shop around, but do take a look at the terms, not least early repayment penalties - I personally think it's a good idea to avoid loans which penalise early repayment, because as a normal part of debt management it's a an option you may want and need to push on.

If your credit is good. A credit card would work. Personal loans are simplistic in a sense and may work for what you are doing. It really all depends on the FICO score to determine what is the best way to go.

We specialist in helping consumers increase their score to respectable levels, then provide options for loans that are best suited for your needs.

You are more than welcome to call us if you feel we can be of any assistance to you.