Secured personal loans
Use an asset to secure the loan. This asset is then used as a kind of security against the debt.
Unsecured personal loans
Are so-called because the lender requires no security for the debt.
Choosing to fix your interest rate or take your chances with a variable one is, once again, entirely personal. Fixing your interest rate gives you the certainty that your repayments will stay the same for the term of your loan.
Generally, repayments will be set up as an automatic direct debit from a nominated bank account. Just ensure that you have enough money in there each month to cover the cost!
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