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Even though balance transfer credit cards are usually designed for people with at least good credit, there still are a few options for those who have fair credit. You can find credit cards that have a balance transfer option. However, do not expect long zero introductory periods. These cards usually offer 6 to 12 months of no interest on balance transfers. These periods may not be long, but you can pay off at least a portion of your debt and save much-needed money.

If you do not qualify for a credit card, try personal loans. They may not offer zero interest, but the interest rate may be much lower than the one you currently have. You can shop around for the best loan terms without impacting your credit score.