I have never signed up to this. It could take me years to collect the cash and i could die next week! My love is cars, i dont smoke, rarely drink and have few hobbies other than detailing (which requires a car) so would happily be in debt over something that made me happy
When you put it this way, it does make sense!!
I often think that sometimes, you could die next week and cant take money with you!! May as well live life as best you can and enjoy whatever you can, while you can!
Im not too hot on finance deals, but best of luck to you!!
How much are you looking to borrow though??
When I need to borrow money for somet I tend to get a 0% interest balance transfer card.
I transfer the balance onto that, and pay off whatever I can while its 0%.
When the 0% comes to an end, if the card isnt paid off, transfer it to anyother 0% balanace transfer card, and so on!
You need to keep an eye on minimum payments, and when the 0% offer comes to an end end, but Ive done it a few times in the past - interest free loan!
For example, every time the fixed rate on my mortgage comes to an end, I pump my savings into the mortgage before I fix it again with a better deal, and I also get a 0% card for £5k or so and stick that into the mortgage as well - that way I pay off an extra £5k of my mortgage, save on the mortgage interest, and just pay off the card interest free.