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Personal loans are available in . This is a loan given to an individual for a specified or nonspecified purpose. In this case, a bank or a financial insitution gives a payment of money or credit. Some types of personal loans include mortgage loans, car loans, home equity lines of credit, credit cards, installment loans and payday loans. The amount of loan that one can qualify for, the rate of interest and underwriting of the loan depends largely on the credit score of the individual- the higher the credit score, the better the chances of getting a low interest loan. The interest rates are also lower for a long term loan, though in money term you would have to pay more.