A personal loan can be secured, meaning backed with a valuable item, or it can be unsecured. For unsecured loans you will need good credit. Secured loans are a good idea for those who are starting out and need a small loan.
You may not have a choice regarding the type of loan you are eligible to receive. Start by applying for a traditional loan, but be prepared to negotiate cash or assets in exchange for a secured loan if your credit is below average. Some banks let customers graduate from secured loans to unsecured loans after they prove they are dependable and can make payments for a specified amount of time.
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