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If you need the maximum assurance you'll get the required amount, a personal loan is the option to go with. However, things are not black and white with personal loans either. They also require approval, and the approved amount may be lower than you requested. Therefore, we would recommend requesting a bit more than you need, just to be on the safe side.

On the other side, if your FICO credit score is high enough, 700 and higher, a 0% intro APR credit card would be a better option. Having an excellent credit score, your chances to qualify for a higher starting credit limit are pretty good. Credit card limits may range anywhere from 15K to 25K for people with a good-to-excellent credit history.

Even if you do not qualify for the required amount, you can call the issuer right after approval and request a credit limit increase explaining why you need it. The issuer may approve your request if you are creditworthy enough.