Best borrowing option

[Bez]

I am looking to borrow around �8k to buy a car.
I have avoided personal borrowing for some time and so am not very up to date with current options.

A few years ago, I used to move borrowing around 0% credit cards whilst paying the funds back in order to avoid interest.
Would this be a possibility again now (I expect to be able to pay the �8k back over a period of 2 years - assuming no interest!), or would it be likely that I would need to take out a personal loan?
I have heard that 0% credit card deals are becoming fewer and that gaining the level of credit that I would require is also becoming harder.

Are there other options that would be more suitable?

Thanks in advance for your help.

[Ethel]

You need to read this:

http://www.moneysavingexpert.com/cgi-bin/viewn ews.cgi?newsid1099314935,42333,


It's difficult to get very loan finance with credit cards now - nearly all charge at least 2% for transferring a balance to an interest free incentive - that's �160 for �8k, although many are capped at �75 or so. And then it's for 5 or 6 months only.

If you take out a loan over two years the repayments will be high - around �390 per month. If you take a loan for a longer period and repay earlier, you may be faced with charges.

Take your time to find the best deal. I honestly think a loan at 6.5% would be excellent.