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» MORE: The good and bad of home equity loans Pros: Back to top If you have an employer-sponsored retirement account, it’s not advisable to take a loan from it, since doing so can significantly impact your retirement.

» MORE: Pre-qualify on Nerd Wallet and get a personalized rate Pros: Back to top If you’re a homeowner, you can take out a loan or line of credit on the equity in your home.

A home equity loan is a lump sum loan with a fixed interest rate, while a line of credit works like a credit card with a variable interest rate.

If you're debt-free and pay off your card every month, you can earn goodies worth £100s each year. Get a specialist travel credit or debit card for near-perfect exchange rates worldwide.

This guide includes best-buy cards, the cards to avoid, and how to check what your card's charging you when you use it overseas. Assess why you've been knocked back, then find cards that fit your profile or try to rebuild your credit rating using the top 'bad credit' credit card – and always pay it off in full.

The maximum annual percentage rate at a federal credit union is 18%.

Online lenders typically let you pre-qualify for a debt consolidation loan without affecting your credit score.401(k) loans typically are due in five years, unless you lose your job or quit, in which case they’re due in 60 days.A 0% money transfer allows you to shift cash from a card to your bank account to clear your overdraft or give yourself a 0% cash loan for up to 28 months. Spend on one of these cards and it pays you – either in pure cashback or points that can be converted into vouchers for shops, airlines, hotels etc.» MORE: Nerd Wallet’s best balance transfer credit cards Pros: Back to top You can use an unsecured personal loan from your local bank or credit union or an online lender to consolidate credit card or other types of debt.The loan should give you a lower interest rate on your debt or help you pay it off faster.That means you’ll need to pay more than the minimum payment due to reduce the principal and make a dent in your overall debt.

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