Yeah, I have minimum lending limits on my loans here. Most back will only do $7000 or more, and the good rates start at $15,000 usually.
However, this, is what you do:
1) Apply for a low interest introductory credit card (1.9% or something)
2) If you have a credit card already, pay with a CC cheque using that one, to close your deal.
3) Then when the new low interest card shows up, do a balance transfer, and pay it down in the intro rate pay window. If you don't have it paid down by then, repeat step 1.
I paid of my bike in 2 years this way. I used to low interest intro rate credit cards to do it. Once the intro offer on card one expired, I got another card, and transferred that remainder to the new card. The best rate the banks would offer bikes 3 years ago was 6.5%, I did it this way @ 1.9% for year one and 0.9% year 2.
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