It's a common problem of our times. You, a client or someone you know wants to buy something, but may not have the cash readily available to make the purchase. What would you do, or advise your client to do?Experts say that the annual percentage rate (APR) probably would be lower for a bank loan, even an unsecured loan, than most credit card rates. Compare the two. A credit card with a 19 percent interest rate versus a bank loan with a 15 percent rate would yield a savings of $70 over a three-year period of paying back a $1,000 loan.