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Personal loans are a popular form of borrowing for home remodeling, vacation travel, weddings and emergency situations.

Personal loans usually don’t require collateral and can be used at the borrower’s convenience and discretion.

You can use personal loans to cover practical expenses like consolidating credit card debt or remodeling a bathroom to something whimsical like buying a boat or taking a European vacation. Personal loans, especially unsecured ones, usually require an application and verification of your financial standing.Peer to peer loans, also known as P2P, person to person or social loans – have become an important source of borrowed money in the internet age.An assortment of web sites specialize in connecting those needing loans with investors willing to lend money. Lending Tree and So Fi, are major peer-to-peer lenders and have worked to standardize lending practices.CNN Money says that about 70% of loans made by family and friends are either partially repaid or not repaid at all.This most personal form of borrowing should be thought through and terms should be set – in writing.Personal loans used to be simple part of the American economy.Homegrown savings and loans lent money to buy boats and barbeque pits based on the reputation of their customers.Whether the loan is used to make it through a rough patch, make a down payment on a house or start a new business, family and friends can offer invaluable help for reaching your financial goals. The Federal Reserve Board reports loans from family and friends total about billion a year.Though family members can be a huge help, borrowers often don’t repay their generosity.Some borrowers use peer-to-peer loans to pay off higher interest debts like credit cards or possibly Buy Here Pay Here auto loans.Lending Club, for instance, charges rates from 5.99% to 35.89%. Peer-to-peer lenders typically use borrowers’ debt-to-income ratios, income, financial history and career experience to decide to whom they’ll lend.


  1. It's the risk every entrepreneur takes. You've done your homework. You have a great business model. You secure financing--through a few business credit cards and a small business loan, perhaps--that seems reasonable based on your expected revenue.

  2. Secured loan. A secured loan is one that is secured by an asset – be it your house or car – which can be repossessed and sold if you are not able to repay the loan. For this reason, you pose less of a risk to the credit provider, and therefore more favourable interest rates apply than those offered on unsecured loans.

  3. Exclusively for homeowners Willows Finance are an experienced packager of secured homeowner loans, working to find a fair and perfectly fitted finance solution for every individual. If you are a homeowner looking for long term finance up to £2.5m you may be able to use a secured loan. We provide the information, and the services, to

  4. ANZ has suspended the sale of the ANZ Secured Car Loan, while it undertakes a strategic review of how it offers consumer asset finance. ANZ expects to announce a final decision by 30 September 2018. Refer to ANZ’s announcement

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