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Unless you have a rich Grannie somewhere in your family tree, you will have to get creative with borrowing money at zero percent.

The quickest way, is to borrow from a credit card that is offering zero percent interest for a set time period. The best ones, are the ones that give you at least one year. They are very excited to lend you the money, and will offer to drop it right into your bank account.

The reason for this excitement, is that once they have told you the date the promotion is over, you will never hear about it again!.. They are hoping you will get so busy with your life, that you will not notice the due date go by and then they can charge you that HUGE interest rate, so mark this date on a calendar, and stick it front and center on your fridge.

So, the best way to do this, is to only borrow what you can afford to pay back, in the set time period they offer, such as a year. Set yourself up to make equal payments to this card, just like it is a bank loan, and don't miss any, or it will revert back to a high interest credit card with soul crushing interest rates and extra charges. This part is very important!

If you play it right, and don't use this card for any other purchases, (or they will get tagged on the end of the balance and they will get charged high interest as they are not part of the deal.) just this loan, and you figure out how much you need to pay per month to have it paid off by the due date, then you will have successfully had a "no interest loan"

This is how you get creative, otherwise you will have to convince that "rich Grannie" in your family tree, how this interest free loan, will make you a better person and will enrich the lives of all around you, and be worth the investment!... I think I would stick to the credit card idea!

Learn more about this author, Diane Palmer.
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