Personal Loans

An unsecured loan is a loan that is not backed by collateral, only your signature (signature loan) When you borrow money, the lender may require nothing more than your promise to repay the debt. Unsecured loans usually involve less documentation. Obtaining an unsecured loan is usually quicker and does not require a formal closing. There is usually just an application, a promissory note, and perhaps a payment schedule. This differs from a loan involving collateral. UK Residents Click Here

Reminder: never send anyone money in advance of a loan. Anyone telling you to do this is a scammer, no matter how nice and convincing they sound.

What is an Unsecured loan?

An unsecured loan does NOT require collateral -- just your signature and a means to pay back your loan. When you borrow money, the lender may or may not require you to pledge collateral to guarantee repayment of the debt. If collateral is pledged, then you have a secured loan.

For secured loans, collateral can be anything of value, but collateral is NOT cash when it comes to loans -- lenders do not require you to send cash as collateral or "insurance".

Did you know that your home's equity is one of the best sources of cash? For homeowners, interest rates are often quite low. With equity, you can finance big-dollar expenses, such as car purchases, home remodeling, or medical expenses.

Though you may think you want a loan, you may not realize how easy it is to eliminate your debt. We now work with Care One Credit, who has been featured on MSNBC, to help consumers understand all of their debt options. In addition to our debt-related content found in our Library, we also want to offer you an opportunity to get in touch with a real person today. You do not have to be a homeowner. This program can help you avoid bankruptcy, and reduce monthly payments on your debt.

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Of course, you are funding these things with a secured loan if you chose to use equity; your home is the collateral. But, if you have the discipline to make the payments, you can save a lot of money over using credit cards.

Remember: On secured loans, If you do not repay what you borrow, then the lender may use your collateral to satisfy the debt. Equity is an often overlooked source of money, and is a great way to pay for things you need. Equity is much more cost efficient than high interest credit cards. But make sure you can make the payments, on time, every month.