Any low risk ways to 0% finance with direct payment?

[ChemicalChaos]

Evening all,

Bit of an odd one here. I'm looking at bringing in a car from America which I cannot quite afford outright, but is a shortcut to a dream vehicle build and too good to pass up - so for the first time in my life I'd have to break my golden rule and borrow about 10-15k to finance it until I finish a restoration I am nearly complete on, which would then sell for the majority of the price (Everything so far has been funded by flipping other projects but the timing just doesn't work here)

This feels like a very daunting step, but I keep telling myself that even if I lost my job tomorrow, I can sell it and a few other cars to cover the loan amount so I won't be up st creek.

Anyway, the main idea I had was to use a 0% interest credit card to fund this purchase but I've hit a snag. The import agent, who will be purchasing for me in country, will only accept a direct business bank transfer due to the astronomical fees on a credit card at vehicle sized sums (they are legit business recommended by many satisfied customers in owners groups).

So, my second thought was to cover it with a 0% money transfer card but these all top out at much lower amounts.

Is there a clever dick way of doing this that I'm missing please , or is it likely I'll have to just suck up a 6%APR traditional loan (and any early repayment fees) instead?

Thanks in advance!

[mikeiow]

Is this something an offset mortgage could help with?
I imagine that is perhaps too complicated to set up….I suspect a loan might be your only option here.

[remedy]

The easiest way will be a traditional bank loan.
I just did it for a car. I did it through my bank and the whole process was done in minutes and the sum in my account.

Overpayment with Halifax is fine. I've already made a big lump sum payment and it tells you how much interest and term you've saved. You'll end up paying negligible interest if you keep overpayment under the limit.