Capital One gives unsecured loans at 6.99% fixed. I also like the zero interest methods. I didn't get a home equity loan, I just kept tranferring the balances to different credit cards. It's getting harder to find cards that don't charge a 3% transfer charge. One of my credit cards offered me 0 percent for 6 months with a 3% transfer charge, but I called and counter offered. I was able to pay 1.99% for 12 months with no balance transfer fee. Not zero, but still good.
As a side note, it's not a good idea to transfer simple interest loans that you've had for a while. The bulk of the interest is paid at the beginning of the loan.
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