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What things to Consider Before getting a HELOC Having fun with a HELOC buying a vehicle may possibly not be the brand new top idea for a couple reasons. First, when you have a good credit score, you can acquire a car loan that have less interest than simply a good HELOC. That have an auto loan, you are able to pay back the borrowed funds plus interest more a flat time months, constantly 3 to 6 ages. Although not, that have an excellent HELOC, you are not required to spend the money for dominant until after the mark months …