Personal Loan
credit score of 780-800, need a personal loan of 20,000. APR I want to pay 3-4% any suggestion which bank may offer that?
What's your income and what state are you in?
Try LendingClub.
Take a loan against your 401k, payback period is determined by what you are using the $ for. You pay interest to yourself.
Yep! Since the market is at historic highs and Goldman Sachs already warned of a correction, taking money from 401k doesn’t necessarily equate to missed gains! Good suggestion. I second this.
My understanding is: NEVER loan on your 401k. Here’s why: 1. You unplug a good investment 2. When you leave your job, the loan will be due with taxes and penalties with interest of 40-50% https://youtu.be/c1Slj6m7t2c
0% APR credit card offers
This.
2 points to keep in mind. 1) there’s a 4% fee and 2) the term is usually 14 months.
Try credit union they usually give the best rates if you find the right one
Credit union
Go for a personal line of credit. I have a 30k LoC at 10.25% through Wells Fargo with credit score in the low 800s.
How much payment u can afford and how many months to pay off is what u need to price in when looking for rates
There are websites for this. Why the tagged companies?