If you’re looking to borrow a loan and are confused which type would best fit in your situation, it would be best to understand briefly about the existing types of loans. Here’s a beginner’s guide that would help you make the right decision. In this article, you will know about Different types of loans: Which one fits your needs.
Before availing a loan, consider the important factors like payback periods. You wouldn’t want to fall short on your repayment schedule. So, opt for the right loan of which you are confident about paying back without a burden on your pocket.
Secured vs. Unsecured Loans
A secured loan is one that has legal bindings with collateral or agreement held by it. In theory, it is by far the most accurate definition of a loan that ensures you pay back or lose your house or your car. It is the most common type of loan when borrowing a heavy amount, and the collateral is an assurance to the lender of getting the money back on time.
On the other hand, an unsecured loan is one that has no bindings such as collateral. These loans are usually available in situations like availing education loans. They stand at higher risk to lenders as they don’t hold any assets to pull in case of defaulters. Due to the higher risks involved, the interest rates are also kept higher.
Fixed-Rate Loans vs. Variable Rate Loan
Fixed-rate loans are well organized with a fixed rate and period of loan so that you can repay in a well-organized manner. You know your exact monthly installment and get to play out your monthly expenditure accordingly. Fixed-rate loans may be available for buying houses or availing education facilities.
A lot of people prefer to opt for a variable rate loan considering the lower initial rates of interest. But gradually, the interest rates may get higher depending on the market rates of interest. Hence, the repayment amounts can change over time in case of variable loans.
Payday Loans
One of the best types of short-term loans that have gained popularity recently is payday loans. They are a type of unsecured loans that need to be paid back on your next payday. If you are in urgent need of money for shorter durations of time, be it for paying bills or financing a trip. The approval process is almost immediate, and you don’t need to have a great credit record to avail the same. You just need to furnish your ID and bank account statement as proof of regular income. If you are interested in availing a short term payday loan, visit PaydayMe for more info. The approval process is hassle-free and real fast.
One important note here is that loans should be availed with a preplanned repayment schedule and remember not to avail multiple loans at the same time, though, as it may push you into a serious debt cycle. No loan is free cash but comes at a price to pay! So, it’s better to do your part of research first and then decide on the right type of loan that suits your situation right.
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