 TITLE: How Do Pay Over Time Plans Work? CONTENT: Alternative Financing Options\n-----------------------------\nIf you're not sold on pay over time plans, you've got other options for financing purchases. They include:\n*   **0% introductory APR card**: With a 0% intro APR card, you can make a purchase and avoid paying interest if you pay off the balance in full before the 0% introductory period ends. Once a card's intro APR period ends, the card's higher ongoing rate will kick in and apply to any remaining balance. Many cards feature introductory periods of 15 or 18 months.\n*   **Personal loan**: Personal loans typically carry interest rates much lower than the rates for credit cards. With a personal loan, you make fixed payments over a set period of time until the loan is paid off. Personal loans normally don't require collateral. END