Loans come in all various forms and it’s important that you apply for the one most suitable for you.
For instance, they often come with different repayment terms accompanied with fixed or linked interest rates.
It often depends on how impressive your credit score is or with which institution you’re applying with.
For example, a loan shark would charge a much higher interest rate, as well as more stringent terms, compared to getting one through FNB.
This means that you could unwittingly sign up for a personal loan at higher interest rates than you expected.
They generally take the form of unsecured loans while the secured type would require collateral to be put up by the applicant.
It’s also advisable, to ensure you’re applying for the appropriate type of credit, to apply through a reputable lending institution.
Below are some of the various types of loans you could apply for.
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