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Loans online are unsecured loans and applying for it you don't have to provide any kind of guarantee.Actually, the next pay check you will get is a guarantee that you will pay the borrowed money back.It's well known that unsecured loans are charged with higher interest rate, so you need to keep in mind that you will have to pay back more money than you have borrowed.But you can always negotiate the rate of curiosity you will be able to pay .