I disagree with this. A personal loan usually has a lower interest rate than credit cards and the payments are over a fixed time frame, so the interest isn't as penalizing. OP already has stated the intent to pay off the loan early and credit card charges in entirety monthly. This sounds like a reasonable plan to save some interest.
TofuliciouslyGood t1_jdtre4p wrote
Reply to comment by Impressive-Sympathy4 in Preparing to buy our first home by [deleted]
I disagree with this. A personal loan usually has a lower interest rate than credit cards and the payments are over a fixed time frame, so the interest isn't as penalizing. OP already has stated the intent to pay off the loan early and credit card charges in entirety monthly. This sounds like a reasonable plan to save some interest.