I need $27,500. I have selected that the best way to raise the money would be a personal loan. I have also looked at borrowing cash from CC & closing out my stocks but have decided against going that route. So here I am looking for some advice on Personal loan..

1. Should I go for a one time loan or a Personal line of credit.

2. How bad does a Personal loan affect the credit scores. I am currently @ 750+

3. Which FI should I be looking for... and any known fine print issues

4. I got a offer thru AAA for personal line of credit from BofA which has 7.99 APR...however I gotta pay 3% transaction fee on the money borrowed...even with that when I check the estimated monthly payments for the 5 & 6 year terms it looks like I am paying approx 13% APR... what am I missing here...
bad does it affect