A personal loan is funds borrowed from a bank, lender or a financial institution with a fixed interest that you pay back in set installments over a short period, usually between 6 months to seven years. A key feature of personal loans is they are mostly unsecured which means collaterals are not usually required and can be gotten quickly and easily.  You can qualify for a personal loan based on your credit history and income; this helps lenders evaluate your credit worthiness and decide how much to loan you as a personal loan.

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