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AO UniCredit Bank may use cookies to personalize services and improve the usability of the website. In theory, unsecured loans are a less risky borrowing option because there's no danger of losing any assets if you can no longer repay the debt. They can also offer more flexibility than secured loans, with lenders tending to offer repayment terms of anything from one month to three years.

Banks rarely offer their most competitive mortgage rates up front, forcing customers to negotiate discounts over the phone or in person. But we skip the back-and-forth", so you can go straight to the best rates available in your area. Getting a lower mortgage rate could save you thousands of dollars on interest every year.

Deb Wood-Schade, who runs a chiropractic wellness business in Aliso Viejo, Calif., applied in mid-March and was told by phone on Saturday that she had been approved for a loan of nearly $25,000 — enough to cover six months of her operating expenses. But loan documents she received on Wednesday suggested that amount had been cut to $8,300, covering just two months of her costs.