If you've got good credit, and a plan to pay it back, the credit card option might be good. I got an offer from my cc, 0% for a year, to write a check for up to 16K. Used 8K and have paid off 5K so far. All I've paid was the $75 for the "balance transfer" fee. I'll have it paid off by the time I get my tax refund in Feb-March so essentially it will be $75 to borrow 8K for 9 months or so. What's that? 1.25% APR if I did my math right. The only downside is if paying it back falls through or you don't have a plan to pay it back in the beginning. Then you'll find yourself with a fat interest rate after the 6 month-1 yr trial period, or trying to transfer it to another card with a lower rate which means more fees and the such. But if you play your cards right, you can rip the cc companies off pretty good.