Unsecured loan - Revision history

Jmdonev: 1 revision imported: Added a few more to this batch

2026-08-04T21:43:58Z

1 revision imported: Added a few more to this batch

← Older revision	Revision as of 21:43, 4 August 2026
(No difference)

energy>Jmdonev at 21:32, 4 August 2026

2026-08-04T21:32:09Z

← Older revision		Revision as of 21:32, 4 August 2026
Line 1:		Line 1:
	[[Category:Done ~~2017~~-07-01]]		[[Category:Done 2026-08-01]]
	<onlyinclude>An '''unsecured loan''' is a loan that depends entirely on the credit rating of the debtor who has not posted [[collateral]].</onlyinclude> Unsecured loans can be [[term loan]]s or [[revolving loan]]s.<ref>J.Black, N. Hashimzade, and G. Myles. (2009) "Unsecured Loan." [Online], Available: http://www.oxfordreference.com/view/10.1093/acref/9780199237043.001.0001/acref-9780199237043-e-3263?rskey=ht6uyj&result=3, 2009 [Aug 20, 2016]</ref> Because the loan is not backed by collateral posted by the debtor, the debtor will pay a higher interest rate which represents the risky nature of the loan.<ref>R. A. Brealey et al. ''Fundamentals of Corporate Finance''. Toronto: McGraw-Hill Ryerson, 2012, pp. 656.</ref>		<onlyinclude>An '''unsecured loan''' is a loan that depends entirely on the credit rating of the debtor who has not posted [[collateral]].</onlyinclude> Unsecured loans can be [[term loan]]s or [[revolving loan]]s.<ref>J.Black, N. Hashimzade, and G. Myles. (2009) "Unsecured Loan." [Online], Available: http://www.oxfordreference.com/view/10.1093/acref/9780199237043.001.0001/acref-9780199237043-e-3263?rskey=ht6uyj&result=3, 2009 [Aug 20, 2016]</ref> Because the loan is not backed by collateral posted by the debtor, the debtor will pay a higher interest rate which represents the risky nature of the loan.<ref>R. A. Brealey et al. ''Fundamentals of Corporate Finance''. Toronto: McGraw-Hill Ryerson, 2012, pp. 656.</ref>

Line 19:		Line 19:
	==References==		==References==
	{{reflist}}		{{reflist}}
			[[Category: Uploaded]]

Jmdonev: 1 revision imported

2017-08-29T01:47:27Z

1 revision imported

← Older revision	Revision as of 01:47, 29 August 2017
(No difference)

Jmdonev at 20:13, 17 August 2017

2017-08-17T20:13:41Z

← Older revision		Revision as of 20:13, 17 August 2017
Line 1:		Line 1:
	[[Category:Done ~~2016~~-04-30]]		[[Category:Done 2017-07-01]]
	<onlyinclude>An '''unsecured loan''' is a loan that depends entirely on the credit rating of the debtor who has not posted [[collateral]].</onlyinclude> Unsecured loans can be [[term loan]]s or [[revolving loan]]s.<ref>J.Black, N. Hashimzade, and G. Myles. (2009) "Unsecured Loan." [Online], Available: http://www.oxfordreference.com/view/10.1093/acref/9780199237043.001.0001/acref-9780199237043-e-3263?rskey=ht6uyj&result=3, 2009 [Aug 20, 2016]</ref> Because the loan is not backed by collateral posted by the debtor, the debtor will pay a higher interest rate which represents the risky nature of the loan.<ref>R. A. Brealey et al. ''Fundamentals of Corporate Finance''. Toronto: McGraw-Hill Ryerson, 2012, pp. 656.</ref>		<onlyinclude>An '''unsecured loan''' is a loan that depends entirely on the credit rating of the debtor who has not posted [[collateral]].</onlyinclude> Unsecured loans can be [[term loan]]s or [[revolving loan]]s.<ref>J.Black, N. Hashimzade, and G. Myles. (2009) "Unsecured Loan." [Online], Available: http://www.oxfordreference.com/view/10.1093/acref/9780199237043.001.0001/acref-9780199237043-e-3263?rskey=ht6uyj&result=3, 2009 [Aug 20, 2016]</ref> Because the loan is not backed by collateral posted by the debtor, the debtor will pay a higher interest rate which represents the risky nature of the loan.<ref>R. A. Brealey et al. ''Fundamentals of Corporate Finance''. Toronto: McGraw-Hill Ryerson, 2012, pp. 656.</ref>

	==Unsecured Default==		==Unsecured Default==
	Unlike a [[secured loan]] where the lender can seize the posted collateral to recover their money if the debt is not repaid, an unsecured lender cannot. An unsecured lender can hire a collection agency to collect the payment or in certain cases, the lender can take the debtor to court to recover the money owed.<ref name=~~Book1~~>~~Investopedia.~~ "~~Unsecured Loan.~~" ~~[Online]~~, ~~Available: http://www~~.~~investopedia.com/terms/u/unsecuredloan.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186~~ [~~Aug 21~~, ~~2016~~].</ref> Collection agencies are very common with credit card debt.		Unlike a [[secured loan]] where the lender can seize the posted collateral to recover their money if the debt is not repaid, an unsecured lender cannot. An unsecured lender can hire a collection agency to collect the payment or in certain cases, the lender can take the debtor to court to recover the money owed.<ref name=Ox_econ>"A Dictionary of Economics" published Oxford University Press, 2013. Edited by John Black, Nigar Hashimzade, and Gareth Myles Online version accessed [August 17th, 2017].</ref>
			Collection agencies are very common with credit card debt.

	==Common Unsecured Loans~~<ref name=Book1/>~~==		==Common Unsecured Loans==
	*Student loans		*Student loans
	*Credit cards		*Credit cards

Jmdonev: 1 revision imported: From the summer

2016-09-17T22:29:45Z

1 revision imported: From the summer

← Older revision	Revision as of 22:29, 17 September 2016
(No difference)

Jmdonev at 19:42, 26 August 2016

2016-08-26T19:42:41Z

New page

[[Category:Done 2016-04-30]]
<onlyinclude>An '''unsecured loan''' is a loan that depends entirely on the credit rating of the debtor who has not posted [[collateral]].</onlyinclude> Unsecured loans can be [[term loan]]s or [[revolving loan]]s.<ref>J.Black, N. Hashimzade, and G. Myles. (2009) "Unsecured Loan." [Online], Available: http://www.oxfordreference.com/view/10.1093/acref/9780199237043.001.0001/acref-9780199237043-e-3263?rskey=ht6uyj&result=3, 2009 [Aug 20, 2016]</ref> Because the loan is not backed by collateral posted by the debtor, the debtor will pay a higher interest rate which represents the risky nature of the loan.<ref>R. A. Brealey et al. ''Fundamentals of Corporate Finance''. Toronto: McGraw-Hill Ryerson, 2012, pp. 656.</ref>

==Unsecured Default==
Unlike a [[secured loan]] where the lender can seize the posted collateral to recover their money if the debt is not repaid, an unsecured lender cannot. An unsecured lender can hire a collection agency to collect the payment or in certain cases, the lender can take the debtor to court to recover the money owed.<ref name=Book1>Investopedia. "Unsecured Loan." [Online], Available: http://www.investopedia.com/terms/u/unsecuredloan.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186 [Aug 21, 2016].</ref> Collection agencies are very common with credit card debt.

==Common Unsecured Loans<ref name=Book1/>==
*Student loans
*Credit cards
*Personal loans (such as those from a cash advance or payday lender)

==See Also==
*[[Loan]]
*[[Secured loan]]
*[[Term loan]]
*[[Revolving loan]]

==References==
{{reflist}}