If you need more time, a debt consolidation loan could be a better deal because the interest rate is lower.
Keep in mind that getting a balance transfer credit card will add another account to your credit utilization ratio, so you’ll want to consider the limit you’re approved for.
No matter where you go, getting a low rate without a credit score of 600 or higher is challenging.
It might be worth taking steps to improve your credit score before applying for a debt consolidation loan.
A balance transfer credit card could be an option for paying off debt, but a 0% introductory APR doesn’t always mean it’s your best option.