credit cards

Am loving this credit card game, it certainly works better than loans.
as long as you can maintain a good credit card history, you can always you balance transfer to a new credit card, you get charged handling fees but the 0% over 9, 12 or 14 months certainly makes it worthwile.

if your credit record is far from perfect, you can always try credit cards for people with bad credit and you will be on your way.