What are your options to pay it? I will cover one.
A Personal Loan
The quotes will vary based on the lending institution, based on your credit, possibly whether you have an existing financial relationship with them and if you will use the automatic debit feature.
The range of interest rates could span a number of percentage points. It is best to contact a number of different places. It is also a good idea to do your homework before you make any final decisions. Can you finance less money and for a shorter amount of time?
Some lending institutions use the same interest rate regardless of whether you take the loan out for one, two or three years. That is a surprise to me. I would have expected to be quoted a lower rate for taking out a loan for one year than for three years.
Here are some helpful tools to help you do your homework. Knowing the terms of the loan before you walk in the door to sign a contract are key. You don't want to jump on a loan that you are unsure if the terms are what you need.
401K Cost Calculator for early withdrawal
The 401K Cost Calculator is helpful as more companies are shutting their doors and/or offering their employees their retirement savings early.
Personal Loan Calculator
The personal loan calculator will help you determine what your payment will be as well as how long the loan will take to pay off if you make additional payments.
Hopefully you will not be in need of a loan come tax time.