When money is tight and you need some extra cash on hand, sometimes taking out a personal loan is the very-best option you have to get the cash you need. After all, borrowing money from friends and family can often end badly. And, taking out money against your credit card will mean you end up paying sky-high interest rates on your loan but with no final payoff date in site.
With a personal loan, you can keep the interest rate you pay to a minimum if you are willing to take out a secured loan. With secured loans, you must put something of value up as collateral to the lender. Essentially, you are signing this item of value over to the lender for the duration of the loan. As long as you pay it back on time and in full, the collateral item will be returned (or signed back over) to you.
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