I got a quote from an online lender for a five-year $52,000 personal loan at 7.065 percent (fixed) (payment just over $1,000 a month). No fees, etc.
That's not bad. It's slightly better than the rate quoted by my Big Bank (without a personal conversation with anyone).
I really don't want to borrow from my retirement plan. As was pointed out on one website, I would be repaying the loan with after-tax money, and will pay tax on it AGAIN once I withdraw it eventually. And apparently it's frowned upon (if allowable at all) to use a retirement account as collateral.
So at least I have a rate to compare against when I start talking to banks.