Sony is a real estate salesperson who gets paid a commission whenever he sells a home. Over the past few years, he has had a total of 3 small cheques returned for insufficient funds because they were cashed before his commission was deposited. 

Which of the following credit products would be the best option to help prevent this situation from occurring in the future?

 A Fixed Repayment Loan for $5,000.00 with a fixed interest rate, monthly payments and amortized over 3 years.

 A Fixed Repayment Loan for $5,000.00 with a variable interest rate, bi-weekly payments and amortized over 4 years.

 A Home Equity Line of Credit with a limit of $10,000.00

 Personal Overdraft Protection with a limit of $2,000.00