Realistically, the answer to this question depends on your financial resources and the sums you need to borrow. Are you interested in obtaining a medium-sized sum that, typically, should be repaid in less than 1.5 years and come with an interest rate below the maximum 4% mark imposed by the Ministry of Law? In such a case, one option to consider is personal loans. These types of financial packages can be utilized for anything, from paying off your existing medical debt to purchasing goods and services.