<prompt> Human: About to buy a home and after the closing costs, I will need 7,000 for basic stuff such as paint, washer dryer, etc. My credit is good 730 but I also have a car loan still that Ive never missed a payment on 15,000 left. What are my options here?  <response>: The advice you are going to get is that if you arent in a position to make these basic purchases without going in to debt, buying the home is likely not a financially-wise decision. If you are nevertheless going to pursue a personal loan, you can just shop around for the best rate. If you plan on paying the debt back in less than 12 months, there are credit cards you can obtain with introductory, interest-free periods. Dont do that if you wont pay it off during the interest-free period, though. 