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Secured vs unsecured personal loans: What’s the difference?

What is the difference between a secured and unsecured personal loan? And what factors should you consider if you are thinking about applying for one?

Written by
Mark Bristow
Mark Bristow Senior Finance Writer
Senior Finance Writer
Edited by
Alasdair Duncan
Alasdair Duncan Deputy Finance Editor
Deputy Finance Editor
calendar 01 Aug 2025
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