Are you SURE you can afford to pay off the loan? My daughter bought a used car on a new credit card, that offered zero interest for the first year (don't know if you can find such a deal now). Of course, they were banking (ar, ar) on the probability that she couldn't or wouldn't pay it off. She, of course, did, essentially getting a zero-interest-rate loan. But if she'd failed, she'd have owed ALL the interest, which woulda been a chunk of change. If you've got any equity in real estate, home-equity loans are available, and may be tax deductible. But you are betting your home that you'll pay off the loan, so, again, not unless you are SURE. Personally, I agree with those who say to save, then spend. At least that's how I do it. That way, I can sleep at night, not worrying when economic crunches hit (like now).