Personal loan vs Balance transfer credit card
ME's head of deposits and transactional Nic Emery said balance-transfer credit card deals aren't rigid like a personal loan. A balance transfer credit card doesn’t have set payments each month.
A personal loan is great for providing a disciplined structure to repay debt. A balance transfer deal can be free of interest but the user needs to repay the debt within the interest free period to get a financial benefit.
Source: Adelaide Advertiser