An unsecured loan is a loan that is issued and supported only by the borrower's creditworthiness, rather than by any type of collateral. Unsecured loans sometimes referred to as signature loans or personal loans are obtained without the use of property or other assets as collateral. The terms of such loans, including approval and receipt, are therefore most often contingent on the borrower's credit score. Borrowers must generally have high credit ratings to be approved for certain unsecured loans

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