Best option to finance £4,000?

FlorayG

I need some drainage work doing in my field and today was quoted £6,000. I only have available £2,000. What's the best way to finance the rest? I know - save up - but it has to be done before this winter.
I don't have any current debt, no mortgage, loans or cc.

Brie

a bank loan?  or do you have any credit cards that have any money transfer deals available?  best would be a 0% one but there are others where the interest rate might be less than a loan and allow you more time to pay.  Note - if you go down that route make sure there's no other spending at all on the card.

CliveOfIndia

I agree with the previous poster, either a traditional personal loan or a Money Transfer card.  I'm guessing it's likely that whoever does the work won't accept payment by credit card, which would rule out a 0% purchase card.

The thing you need to watch out for if paying by card (of whichever type) is that the promotional period is usually relatively short-lived (typically between 12 and 24 months).  You may be able to transfer any remaining balance to another 0% card when the promotional period expires - but there's no guarantee.  You therefore need to have money put aside to repay the full balance when the time comes.