$12,000 for plumbing work; financing options

[Ruth P.]

Hi BiggerPockets:  Can anyone tell me if $12K is a decent deal for the following?:

"Remove house trap and replace sewer main from house trap end to street.  Repave driveway and replace concrete floor removed for new sewer line in basement.  Replace two (2) existing 1/" valves and replace existing failed thermal expansion tank with one (1) new Amtrol ST12 thermal expansion tank.  All materials and labor to complete installation included."

Also, the financing rate would be 7.99% - 12.99% over 10 years with a payment between $145-$178 per month.  Is that a decent rate or should I try getting a personal loan from some place like Lending Tree?  My credit is good.  Or just pay in full (which I could do if I wanted to)?

Thanks for your help!  I appreciate the BiggerPockets community!