Personal Loan

A personal loan is a type of unsecured loan that individuals can borrow from a bank, credit union, or online lender for various personal expenses, such as debt consolidation, home improvement, medical bills, travel, or other financial needs. Unlike secured loans (e.g., auto loans or mortgages), personal loans are not backed by collateral like a car or a house. Instead, they are typically approved based on your creditworthiness, income, and ability to repay.

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