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Anyone can have financial problems. Whenever the money going out is more than the money coming in a cash crunch can ensue. A personal loan can keep you afloat till the money starts flowing back the right way. There are basically two types of personal loans. Knowing which works for you is the first step to making it happen.

The two basic types of personal loans are secured and unsecured.

Secured Personal Loan

A secured personal loan is “secured through the pledging of an asset that you have verifiable ownership of. The most common assets required by lenders are your home or your vehicle. Because the lender can claim these assets in the event the loan is not paid back their risk is lower than lenders of unsecured personal loans so you can expect larger loans, lower interest and longer terms.

Unsecured Personal Loan

An unsecured personal loan is completely different than secured loans in every way. Since there are no assets to back the loan, lenders have much higher risk. Due to the higher risk, loan amounts are smaller, interest rates are higher by comparison, and the length of the loans are shorter. While the application process may not be drastically different between the two types of personal loans, due to the riskier nature of unsecured loans, credit checks may be more thorough depending on the amount of the loan.

For rates and terms in your state of residence, please visit our Rates and Terms page. As a member of CFSA, Check Into Cash abides by the spirit of the Fair Debt Collection Practices Act (FDCPA) as applicable to collect past due accounts. Delinquent accounts may be turned over to a third party collection agency which may adversely affect your credit score. Non-sufficient funds and late fees may apply. Automatic renewals are not available. Renewing a loan will result in additional finance charges and fees.

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Customer Notice: A single payday loan or cash advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday loans and cash advances are not recommended as long-term financial solutions. To view a list of the states we service online, please visit our Rates and Terms page. For our privacy policy, please visit our privacy policy page. Notice to CA customers: Check Into Cash is licensed by the Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. Notice to OH customers: In Ohio, Check Into Cash operates as a registered credit services organization (CSO). The actual lender is an unaffiliated third party. CS.900185.000. In Ohio, Loan By Phone operates as a registered Credit Services Organization (CSO). The actual lender is an unaffiliated third party. CS 900138.000. Ohio in-store license. Notice to UT customers: For questions or complaints please call the Utah Department of Financial Institutions at 801-538-8830 (UT customers only). Notice to LA customers: If you cannot make payment when due, you can ask to enter into an extended payment plan once in a twelve-month period, but the request must be made before payment is due. Should your lender (Check Into Cash) refuse to enter into an extended payment plan upon your request before the due date, contact the Office of Financial Institutions at 1-888-525-9414 (LA customers only). TX customers: In Texas, Check Into Cash operates as a Licensed Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Notice: An advance of money obtained through a Small Loan or Auto Loan is not intended to meet long-term financial needs. A Small Loan or Auto Title Loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges. Check Into Cash engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code.VA customers: CREDITCORP OF VIRGINIA IS LICENSED BY THE STATE CORPORATION COMMISSION. VA LICENSE # VTL-10.