Looking for a credit card or possible loan (help)

superspudking

I need £1000 and im not sure whats best. Do i go for the CC or get a loan?

I need the money for a car and i want to know a few things

- If i buy a car from a private seller can i withdraw cash from a credit card without being charged?

- If iget a loan can i pay it off earlier if i choose?

If you can help that would be great and if possible let me know whats the best cc or loan for me?

Thanks

grumbler

superspudking wrote:

... can i withdraw cash from a credit card without being charged?

Generally, not. Usually you pay cash advance fee and higher interest rate (than on purchases) from the day of withdrawal. However, it is possible sometimes to have money transferred from CC to a current account: What is a Super Balance Transfer?. This is more easy to do if you get Egg Money card in addition to some other card: [font=Arial, Helvetica, sans-serif]Free Cash From Credit Cards[/font][font=Arial, Helvetica, sans-serif] .[/font]
For best BT cards see http://www.stoozing.com/0fees.htm

- If iget a loan can i pay it off earlier if i choose?

This depends on type of the loan and T&C. For most of them you pay 'redemption penalty' for early repayment. You don't pay this penalty for 'flexible' loans. Check T&C for redemption penalty and overpayments.
See:
Personal Loans: how to get the UK's cheapest article
LOANS QUICK BEST BUY LINKS
Loans & Banking section
Loans board

Link to all Articles is always in the green bar at the top.