<prompt> Human: Credit score is 800, and we have the money in reserves, but Id rather now draw that down for the minimal amount of interest Id be paying in this case. I can do a personal loan through AMEX at up to 6.98 which makes me think I might be able to get a lower rate due to high scores. Alternatively, a home equity loan would be available, but Im thinking fees would eat up the difference in rates. What say you?  <response>: Home Depot offers 2 year interest free financing on large purchases. Even when the promo was over, I talked to a manager and was able to get it do to the fact that I was spending more than 2000 at once. The card helped me out a lot last summer while doing renovations. 