Personal loans. Interest rate is lower. You get monies and you spend said monies, then must pay it off accordingly and constantly. # years later its paid for and you own it. Less likely to pay a little here, then say ohh shit I need something else and charge it again… never paying it off. credit cards are the devil if your irresponsible with your money.
If you partake in the correct projects, with the correct funding… even cars you can make money back when they are sold off. Dont look at it like a money pit project, do it like you would a business decision.