Is it better to take out a personal loan or apply for another credit card?

Question by coachgirl_09: Is it better to take out a personal loan or apply for another credit card?
I am trying to pay off credit card bills ($ 2,000 in credit card debt), get a new laptop and set aside $ 2,000 for a deposit on an apartment for next year. Is it better to take out a personal loan or apply for another credit card and do a balance transfer on it. Thanks!

Best answer:

Answer by Matt G
I would go with personal loan depending on your credit. If you pay a deposit of any type with a credit card isn’t that considered a cash advance? If it is then I would go more towards the loan because they will get you with the fee and then interest rate with a cash advance and you still have the monthly payment which would probably be higher than the loan payment. But it all depends on the type of deal you can get.

What do you think? Answer below!

534 comments

  1. Rock R says:

    It depends on a number of factors, one of which is the interest rate on those loans, the period of the loans (if any) as well as how good your credit currently is.

    To illustrate, oftentimes personal loans need some kind of equity behind them. If you have a house or car which can serve as collateral then you may be able to open up a personal loan. Generally those will have decent interest rates. Credit cards on the other hand are usually easier to get (although these days that may no longer be true) and you’ll generally be facing a higher interest rate, especially when it comes to late payments and especially when it comes to balance transfers.

    Considering what you’re looking to accomplish, I’d say you need $ 6,000 ($ 2K for your cards, $ 2K or less for your laptop and $ 2K for your apt deposit). So that being said, what you can get from a bank or credit card will depend on how long your history has been established and how good your credit is. You might be able to find a credit card with a very good deal on the interest rate for balance transfers – and if you can get a $ 6,000 limit then you’d be in good shape. If you need any of that credit line like cash then you’ll be paying cash advance fees and they are not low and also carry higher interest rates than your normal balances will. So in that case a personal loan may be the way to go.

    I’d go talk to a bank and see what’s possible – just walk into the branch and talk to someone behind a desk (not a teller). They may be able to lay your options out for you.

    Hope that helps.

  2. kennybp9 says:

    instead of getting another card or loan, why not pay off the exisiting card? I would imagine it all comes down to what is the lower interest rate, the credit card or personal loan. Regarding the laptop, you may be able to get financing through the computer seller, example Dell finance. Good luck.

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