Holiday borrowing: What $1,000 really costs across 5 ways to get cashThe holidays can be expensive, and sometimes you need extra cash to cover gifts, travel or entertaining. But not all borrowing options are created equal — some are far cheaper and safer than others. Finder.com digs into how much it could cost to borrow $1,000 across five different avenues.This breakdown uses illustrative numbers based on current national averages, but your actual costs will depend on your creditworthiness and the terms you qualify for.Personal loan: Predictable, low-cost borrowingPersonal loans are installment loans with a fixed repayment schedule and interest rate.