You can get a personal loan for various reasons, from medical debt to home improvements.
A secured personal loan is backed by collateral. Collateral is an asset you own, like a house, car, or savings account. If you fail to make your loan payments, the lender can seize your collateral to recoup its losses, which can negatively impact your credit report for up to seven years.
An unsecured personal loan, on the other hand, doesn’t require collateral. If you apply for an unsecured loan, the lender will consider factors like your credit score and income to determine your likelihood of repaying the loan.
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