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You can borrow and repay the funds as often as needed during the term, and highly qualified borrowers may get APRs as low as 3-4%. However, if you can’t make your payments, you could lose your home.
Interest rates are usually variable, so monthly payments could fluctuate.
As part of his transition, Beck, of San Marcos, Texas, first started taking hormones, then decided to undergo surgeries.Credit cards typically should be used for smaller purchases, since credit limits can be low and interest rates are often steep, says Steve Branton, a financial planner with Mosaic Financial Partners, Inc. Plus, carrying a high balance can damage your credit.But using a credit card can work if you can pay it off quickly, Branton says — especially if there’s an interest-free introductory period — or if you need to finance a small amount a loan won’t cover.Others seek hormone therapy for physical and psychological changes.Some pursue gender confirmation surgeries, which can exceed 0,000 and may not be covered by insurance.