How long do you plan on carrying the debt? If you can pay it off relatively quickly, a credit card with a zero interest promotional period might be a good option.
Example: We bought our house knowing it needed major renovations. We had a rehab-loan that rolled into a mortgage for the bulk of it, but in order to keep the final mortgage amount lower we applied for a credit card with zero interest for the first 18 months. It had a credit limit of $20K, and my husband applied a second card shortly thereafter. We put $37K in renovation and household expenses on the cards and had saved almost the full amount before the 0-interest period was up. We put the remaining balance (~$4K) on a line of credit with a much lower rate (5%, I think?) and paid that off within two months.
So, interest-free loan for 18 months + interest earned on savings + lower mortgage amount= win + win + win