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Apr 30, 2010 You can probably get more money and a lower interest rate with a secured loan, but do you really want to put an asset at risk? That's one of the key questions you need to ask yourself before applying for a personal loan. The next thing to determine is just where you're going to get a loan. Banks and credit 

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If banks can create money, then how do they become insolvent? After all surely they can just create more money to cover their losses? In what follows it will help to have an understanding of how banks make loans and the differences between the type of money created by the central bank, and money created by commercial