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How to differentiate between a secured loan and an unsecured loan?

A secured loan is a loan that is secured against some other asset, that is you provide some form of security to the lender. That way, just in case you don't pay up, the lender has the right to liquidate or sell off the asset and recover the loan amount. In case of a home loan and a car loan, both the respective assets - the house and the car - are considered securities, so you don't need to provide any additional assets as security.

An unsecured loan, on the other hand, can be acquired without providing any asset as security.