Get a loan to buy an annual travelcard on Oyster and save relative to monthy travelcards

https://www.commuterclub.co.uk/

This organisation is offering loans at 5.6% to enable people to buy an annual travelcard on Oyster, whilst paying out monthly. Not only are the monthly payments less than a monthly travelcard, but also you get a Gold Card with an annual travelcard and this gives substantial savings on off peak train fares for you and travelling companions. If your employer doesn't offer an interest free season ticket loan, this may be a good option for you.

(The cheapest annual season in the country used to be (and maybe still is) Ryde St Johns Road to Ryde Esplanade on the Isle of Wight, currently costing £164. Because Gold Card savings are more than with ordinary railcards, this could be cost effective for those who travel often enough.)