How long it takes: As little as a few days.
Pros: It’s your money! And interest rates are low, about 5 percent.
Cons: You might have to pay back the loan within a certain time or face penalties.
Do it right: Don’t take a loan if you have any reason to think you might leave your job; if you do, you might have to pay the loan in as little as 60 days.
• Your home
How long it takes: A week to a month.
Pros: With a home-equity line of credit, you borrow money with interest rates of about 5 percent.
Cons: Banks require a credit score of 660 to 680 and might foreclose on your home if you don’t pay them back.
Do it right: Shop around to find a good deal at bankrate.com.