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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.

However, if you’ve ruled out balance transfer cards and other types of loans, this may be an option for you.

You can use that money to pay off your credit cards or other debts.

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Most credit unions offer their members flexible loan terms and lower interest rates than online lenders, especially if you have a low credit score.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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