Right now, I would choose the credit union to borrow from, because I have the impression that their interest rates are lower for small consumer loans. Also, if you have a savings account in a credit union, sometimes they have a deal where you can borrow some of the money from your own account, and when you make payments, your own accounts gets part of the interest. Pretty neat. But really, you have to shop around to see who will give you the best deal on a small loan. And don't ever forget ... The BEST for you will ALWAYS be to save up for what you want, and PAY for it when you BUY it.