Whenever I am in a financial fix, I try my utmost not to take loans. I have learnt over time that even if you take an interest free loan, shrewd creditor will not let you off the hook. They have to factor in inflation and you are bound to pay a higher amount than you were originally intended. To avoid costs associated with loans, I look for alternative methods like notable asset disposal or contract selling of the items I wanted to purchase on behalf of someone else and them get to keep a commission. The most cost effective loan I am going to consider is the Kiva loan.