I am looking for a short-term loan in the amount of $15k to buy some household items.
I will be able to return the money in full by 3 months
I have a credit score of 760+.
Currently, I am seeing two options:
Putting the money on my credit cards (I have APRs of around 11% on my cards and a total credit line of $30k on three cards)
Use balance transfer on my cards. I can get 0% APR but there's a 3% transfer fee.
Now my questions are:
Which of the above two options will cost less if I return the money in three months and in full?
Is there any other option that you may suggest for getting such a loan and pay even less total interest (again conditioned that it is a short-term loan and I can repay in 3 months)