It depends on your desired flexibility for funds, the offered interest rates, and how quickly you can repay what’s been borrowed. Credit cards generally carry higher interest rates than installment loans; however, they also have no fixed payment schedule and some months can have more or less money due depending on how much you’ve spent. This makes them attractive if you need small, ongoing purchasing power, or are able to pay back the funds quickly. But an installment loan might make sense for larger, defined amounts or if you need more time for repayment.