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Eligibility is often based on factors such as credit score, income, employment history, and debt-to-income ratio.

Secured loans require collateral (e.g., home or car), while unsecured loans do not, but typically have higher interest rates.

Yes, many loans allow prepayment. Check the terms to ensure there are no penalties for early repayment.

The interest rate determines the cost of borrowing. A lower rate means lower overall repayment, while a higher rate increases the total repayment amount.