Anonymous wrote:

Anonymous wrote:Seems to good to be true

The Catch would be APR goes to 21.21% after promo ends Jan. 2027

Can you pay it off before then?

can you borrow 10k from your 401k at 5% and pay it back?

Ummmm a cash advance?! Are you insane? Are you indebted to a bookie or something?

Anonymous wrote:If it is a cash flow issue you could take out a margin loan or 401k loan. I would rather borrow from myself than the bank. If you dont have the assets to cover the loan, taking out a 10k loan for personal expenses that is going to take you 20 months to pay off is a really bad financial move.

Disagree, it can help build good credit - providing she pays on time every month

Either personal loan or heloc.
Cash advance will not help your credit rating.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Seems to good to be true

The Catch would be APR goes to 21.21% after promo ends Jan. 2027

This. or 29.99% more likely.

Just be sure to have it paid off at least a month before the deadline OP.

This is super important because some 0% interest promos include a provision that if you don't pay off the entire balance before the promo ends, you owe interest on the entire amount, not just the remaining balance.

Anonymous wrote:If it is a cash flow issue you could take out a margin loan or 401k loan. I would rather borrow from myself than the bank. If you dont have the assets to cover the loan, taking out a 10k loan for personal expenses that is going to take you 20 months to pay off is a really bad financial move.

Good idea but I'm not sure that would work for me.
I don't have a brokerage account and I'm not sure I'll be at my current job for the next 5 years to get a 401K loan. I also don't want my employer to know I need fast cash.

If it is a cash flow issue you could take out a margin loan or 401k loan. I would rather borrow from myself than the bank. If you dont have the assets to cover the loan, taking out a 10k loan for personal expenses that is going to take you 20 months to pay off is a really bad financial move.

Anonymous wrote:Bank? You mean your credit card? Sure, take it out. I do it all the time.
Pay it off before January 2027 or take out another one. Super safe and convenient as long as you don't mess it up.
I have never had problems. Discover is super generous with cash advances.

Bank Visa Credit Card. BofA. Never used it because it sounds too good to be true....

Bank? You mean your credit card? Sure, take it out. I do it all the time.
Pay it off before January 2027 or take out another one. Super safe and convenient as long as you don't mess it up.
I have never had problems. Discover is super generous with cash advances.

Anonymous wrote:

Anonymous wrote:Seems to good to be true

The Catch would be APR goes to 21.21% after promo ends Jan. 2027

This. or 29.99% more likely.

Just be sure to have it paid off at least a month before the deadline OP.

Can you do an asset backed loan like against your car or savings?

Anonymous wrote:Seems to good to be true

The Catch would be APR goes to 21.21% after promo ends Jan. 2027

Seems to good to be true

I need 10K cash to cover some personal expenses within the next month.

My bank offers a Cash Advance promo of 0% until Jan. 2027 (Including a 4% for the transaction).

Is this a good deal? or should I look into a Personal loan?

I have very good credit and can make monthly payments of $500 per month. I just need the lump sum at once.