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With a good or excellent credit history, you can apply for a credit card to get the financing you need. The average starting credit limit for a new credit card typically ranges from $5,000 to $6,000. Plus, with established credit, you can consider credit cards with a 0% intro APR. Such curds will give you some time to pay off your card purchases without paying any interest. The 0% introductory period usually ranges from 12 to 18 months, so you can find a card that will give you a whole year of no interest on your purchases. When planning big purchases, the 0% intro APR credit cards are a good help.

In addition to the introductory period, credit cards may offer rewards. You may save a good chunk with a credit card that offers a sign-up bonus. Or you can choose a card that will earn higher rewards in categories where you shop most.

If a credit card is not an option for you, you can consider personal loans. Loans usually offer lower interest rates compared to credit cards and offer a predictable repayment plan. So if you feel more comfortable with a personal loan, there are plenty of options to choose from.

Disclaimer: This editorial content is not provided or commissioned by the banks or credit card issuer(s). Opinions expressed here are the author's alone, not those of the banks or credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the banks or credit card issuer(s). Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult with the issuing bank of the card or account for terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are accurate as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.