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Consider credit card convenience checks ...
One can borrow a decent amount of money fast ($10K, $20K, etc upto their credit limit; even beyond that depending on the issuer) at relatively low rates, assuming one has quality credit ... low as 0% to 3% short term and around 5% long-term "fixed" (risk: default provisions in agreements that can kick in unexpectedly).
When buying a car, etc you may need to deposit the convenience check into your bank account first (read credit card agreement very carefully regarding cash advances; good cards won't charge any extra), and then pay the dealership with a personal/certified check.
Increasingly folks these days skip the bank/dealership when buying a car and borrow money through other venues.
Ron
p.s. when buying the car, steer clear of the 0% financing and other crap - it's all nonsense, they're simply rolling much of the interest into the price; even if not, 0% car deals are usually 5+ years often leading the loan to be "upside down" in short order - a very bad thing.
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Domagon - Website Management and Domain Name Sales
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