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Hitler has a plan to save Ireland from it’s current crisis… This vid was made for an Irish Audience and there are terms and references throughout which are explained next if you are not Irish you won’t be familiar with. This is just another Hitler Parody on YouTube.. Please don’t engage me in political commentary… 
Thanks and Enjoy! Biffo – Prime Minister (Brian Cowan) King’s Inn – Irish Law college, Dublin. Ahern – (Bertie) Former prime minister, who ignored an IMF report warning of the crash and bubble and famously said anyone who criticised during the peak of the boom should consider suicide! Shrewsbury Road – Exclusive address in Dublin. Dail – Irish Parliment. Olivia Green – Former employee of Irish Nationwide Building Society (INBS) who, unusually for a bank employee, spoke openly about the reckless banking and lending practices of INBS on RTE’s Primetime show; ‘Meet The Bankers’. Abramovich – (Roman) (Chelsea FC owner and Russian Billionaire) One of the few bondholders known by name to have bonds in INBS. His investment company threatened legal action to recover the debt if it was defaulted on). INBS – Building Society which engaged in reckless lending practices, gave out loans without any proper procedure, often in excess of 100%, and reportedly issued loans of millions of euros to Irish Politicians, without proper documentation attached to loan applications. Fingleton – (Michael) (Former) Chief Executive of INBS, who reportedly ‘fast-tracked’ loans to <b>…</b>
An unsecured personal loan is a loan that is given based only on your credit report. There is no collateral or anything the bank can hold until you pay. You have to have VERY good credit to get this. Because it is a loan (rather than a line of credit) – you get the whole amount and make payments until it is all paid off. Then the account is closed.
An unsecured personal line of credit is the same thing but it never ends like a loan does. It's really an available line of credit that you can use and you only pay back what you use (like a credit card) That is called revolving. You can have a $40,000 line of credit but you may only use $5000 of it whereas if it was a LOAN and you got the whole $40,000 – you would have to make monthly payments on the whole $40k. With a line of credit – you have ACCESS to the money but only have to pay it back when you SPEND IT.
A secured loan is a loan that is "secured" by something the bank owns until you pay off the loan. A car is a secured loan. These are easier to get because if you don't pay, the bank has something they can take away and sell to recover the money. A mortgage (home loan) is a secured loan as well because the bank can take your house if you don't make your mortgage payments.
A secured loan has collateral backing it – such as the car. In other words, if you defaulted on the loan the bank can repo the car. In an unsecured loan there is no collateral – the bank gives you a loan solely on your signature. I don't know that a bank would give you a car loan unsecured.
I would not trust anyone on line in this business. These companies are making millions by screwing over the most vulnerable in our society, who happen to be the least able to afford it.
My suggestion would be to go and join a credit union (like a bank) and start having your SSDI checks deposited there, then apply to them for your unsecured personal loan. The fees and interest rates will be real good for you.
Generally US banks don't give personal loans unless you don't need the money (e.g. have assets as collateral such as a house with equity).
What the bank will tell you is that can issue you a credit card. I would advise using credit cards to fund personal loans. Here is where one can get into having issues.
If you need a car loan, home loan, student loan, those are things that one may want a loan for, and are reasonable. Loans for anything else, I would not venture down that road.
If you don't have the money to buy something, don't buy it. Save your money until you can better afford it.
Given what we have learned over the last few years or so, credit is not what it is cracked up to be.
The bank is highly unlikely to give out 11k for unsecured personal loan – that's way above "normal" limits (usually 2-3k) for unsecured personal loans and given the current banking situation, they're going to want some collateral. On the plus side, a secured loan will probably have a better interest rate.
However, unless this credit card has an obscene interest rate, it's really not worth all the bother. Just pay it off. The paperwork and overhead of setting up a secured loan and using your car for collateral is just not worth a few percentage points of interest. Squeeze your budget a bit and get this sucker paid off.
Unsecured loans have higher interest rates than secured loans. The higher payment from the unsecured loan will increase the debt to income ratio and possibly result in a higher interest rate.
A secured loan has collateral backing it – like a car or a house. If you don't pay back the loan the lender can seize the asset securing the loan.
An unsecured loan is basically your promise, not backed by any asset.
When you borrow money, you prefer to have an unsecured loan. But banks like secured loans and it's often hard to get an unsecured loan. But a loan under $10,000 stands a pretty good chance of being unsecured.
Whoever writes your homework questions has a STRANGE concept of safe. The best I can do is DEFINE the terms.
1 Personal Line of Credit = You have a credit limit, and can repeatedly borrow up to that amount. No assets are pledged to secure this credit line. Think credit card.
2. Unsecured Personal Loan = You borrow a single amount at one time and make fixed payments for a fixed term. No assets secure the loan.
3. Portfolio Line of Credit = You pledge some asset to secure a line of credit against which you can borrow as needed.
4. Secured Personal Loan = NO SUCH THING. A personal loan, by definition, is UNSECURED. A secures loan means you borrow a fixed amount and repay fixed payments over a fixed term and have pledged and asset to secure the loan. Think auto loan.