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A balance transfer credit card with a % introductory APR could be a less costly choice than a no-interest loan — as extended as you pay the card off ahead of the intro period ends. If you want to prevent taking out an easy loan or pay minimal interest, ask a loved ones member or pal to borrow funds. This choice lets you stay clear of the formal procedure of applying for a loan, and you may well have more flexible repayment choices.

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