u/Early-Big5244

Hello, we’re looking for ~£5k to install AC in our house. We have healthy combined salaries (£100k + £40k + 15% bonus each) but as we live in London we also have a hefty mortgage and a wedding to pay for this year so we’d rather spread the cost. We also don’t want to liquidate any stocks.

What are some of the best strategies to spread this cost over ~2 years with the lowest (preferably 0% APR)?

A few options I thought of are personal loans (a cursory glance tells me I can get a 6% APR), getting a 0% credit card (not sure if this is feasible to pay a builder?) or using the emergency fund (not ideal).