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Unsecured loans made safe and easy (2017). What is an 'unsecured loan? Personal loans are a form of unsecured credit. They do not require a person taking out the loan to provide ‘collateral’ that would be seized if the loan was not repaid. Collateral could be assets like jewellery, cars or houses. Find the best deal: Interest rates and terms on both secured and unsecured loans vary widely as different banks and loan companies have different criteria for the basis of the loan. Taking out an unsecure loan.

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