If you can get a loan of course it is absolutely the best way to approach this. Credit card debt will generally attract a much higher interest rate (~17-21%) compared to a personal loan (~7-9%). Credit cards are expensive to pay off. Using them to facilitate a purchase is fine but the sooner you can pay it off the better. Also check the T&Cs of the card. Very frequently you will find little presents like interest payments are taken before principal and a partially paid off purchase continues to attract interest on the full amount until it is completely cleared, in other words not only are you paying more expensive headline interest you are paying it in spades.