Sure, you could mow your lawn with a weedeater or dig a hole with a spoon.

However, youd be turning an old adage on its head by workingharder,instead ofsmarter.

So what is an unsecured loan exactly?

A man looks through a binoculars to see money.

What is a secured loan?

And whats the best way to take advantage of them?

However, there are different reasons you would consider each jot down of loan.

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Heard of These Credit Card Debt Tips?

But millions of Americans overlookthese easy tipsthat could help them manage credit card debt even more wisely.

Read moreto boost your credit knowledge and keep your credit score in check.

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What is a Secured Loan?

When you think of secured loans, think collateral.

Collateral provides lenders security against non-payment, or default.

But you cant blame lenders for wanting to ensure an applicant is serious about repaying the loan.

Check out some of these common use cases for secured loans:

What is an Unsecured Loan?

Its what it sounds like, yetnot exactlyso.

Unsecured loans dont require the security of collateral.

Instead, a potential lender will review your creditworthiness to determine if theyll extend you an unsecured loan.

We Dare You to Take Control of Your Debt

Up for a debt challenge?

In 10 days,these 10 practical stepscould help you get back on the right financial track.

But theres good news, too.

you could strategically use either to help you make large purchases or consolidate debt.

You just need to understand the key differences between a secured versus unsecured loan.

Always consult a professional for a complete understanding of your loan terms, but well cover the basics here.

These factors typically weigh more in the app process for unsecured loans.

Consult a financial expert before you dive into an unsecured loan.

Need Some Quick Cash?

If youre looking to boost your income this month, weve got just the thing for you.

But once you actually apply, your credit score could take a mild to moderate hit.

In the long run, that hard inquiry will fall off your credit file.

And dont worry: Checking to see if you qualify wont affect your credit score.

Plus its free, and your information is totally safe the website uses higher encryption security than many banks.

After all is said and done, you could see your money in just a few days.

Justanswer a few quick questionshere to compare all the best available loan options for you.