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There are two main types of consumer loans within the United Kingdom, the secured and unsecured loan. The secured loan is a loan which is secured against an asset, usually the borrowers property. If the borrower fails to keep up repayments on the loan, the lender may decide to claim their money back by forcing the borrower to sell the asset which the loan was secured against. Since the global financial crisis, the days of guaranteed online personal loans have to some extent become a thing of the past. However, as the financial situation around the globe improves over the next few years; loans are again going to become easier to obtain. Guaranteed online personal loans are considered to be the feasible way of finding secured loans as the process tends to be free from all the drawn out formalities. By applying for a guaranteed online personal loan which is secured, the funds can be made available in a fraction of the time it takes to obtain an unsecured loan. [link widoczny dla zalogowanych] Most borrowing amounts are capped at a percentage of the staff member's normal gross pay and are accompanied by a repayment agreement
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