Credit cards are flexible though, you can pay early with no penalty so good for short term gain. See if they have any offers, if you have £0 on there then they may offer you an extended interest free period to get you using the card again, or look for a card offering a long introductory interest free period on purchases/balance transfers. Then just swap the balance to another new card with a long interest free period just before that one runs out. The balance transfer fee is significantly less than the cost of all the interest plus you would only be paying off the capital. Easier than getting a loan, probably cheaper too.