Virginia best payday loans

1. 0% APR balance transfer credit cards While they are increasingly tough to come by right now, some credit cards have introductory offers of 0% APR on balance transfers for a set time period, usually 12 to 18 months. If you can qualify for these card offers, you can save on interest. For a balance transfer card to make sense, you’ll need to be able to pay off the debt during the 0% period. Just keep in mind the balance transfer fee (3 to 5%) which can eat into your savings. If possible, apply for a card with no balance transfer fee and 0% APR. 2. Debt-consolidation loan Taking out a personal loan with a bank or credit union is another potential option for consolidating debt. A personal loan will have a fixed interest rate, which is an advantage over a credit card with a variable rat...