Personal loans are amounts that are commonly leant from a lender to a borrower to pay for a car, holiday, home improvements or vacations. Personal loans can be secured or unsecured. Unlike other types of loans, you don't need to produce any collateral, or security, to avail of a personal loan. You do not need to go to an agent to apply for a personal loan either. Several banks and companies will readily offer you this loan. 
~ Personal loans also include loans for educational purposes and holidays. Apart from these two categories, personal loans are usually taken to tide over an emergency shortage of cash, when the lender will not bother you with too many questions. Personal loans are available from any amount big or small, and usually need to be paid back over a maximum period of 60 months.

~ Opting for a personal loan may be a better choice than borrowing on your credit card if you want to keep your credit limit available for impulse purchases or an actual emergency requiring instant purchasing power. Often, borrowing money on your credit card carries a higher rate of interest than a personal loan (Although you should check your own situation since this is not always true).
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If you need a loan, just make sure it has a decent payback rate so you are not totally ripped off.
Personal loans come with higher interest rates than most other loans. If youíre wondering why, itís because theyíre not secured.

A secured loan is guaranteed by property and, therefore, has a lower interest rate. For example, a mortgage is a secured loan

An unsecured loan does not use collateral. Since no property is used to guarantee the loan, itís a greater risk for the lender. For example, if a borrower uses a home equity loan to obtain a $15,000 loan, the lender can be assured that the borrower wonít default on the loan because it is secured with the home.
A fast cash personal loan should not be used to start or support a small business unless the small business owner has conducted a risk-benefit analysis, which compares the costs associated with the fast cash loan with the risk to the business of not having the money from the loan.
Personal loans are debts taken on by individual consumers. They can range in size, dimension, terms, and conditions widely.
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