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Everything You’ve Ever Wanted to Know About Personal Loans

Written by:

AmONE

Edited by:

Kristin Marino

Updated on September 16, 2025

As if finding the right loan — especially a personal loan — isn’t hard enough, learning what the personal loan vocabulary terms, acronyms, and phrases actually mean can make the process even more difficult. Thankfully, there are resources available to help you understand what a personal loan is, as well as the different types of personal loans in the market today (such as an unsecured personal loan, a peer-to-peer loan, a secured personal loan, or a short term loan).

To help you learn about the various loan terminology used when talking about personal loans, here’s an infographic from Visual.ly that goes through personal loan alphabet from “A” to “Z”.

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Advertiser Disclosure*. The financial products and services on this site are from advertisers from which AmONE receives compensation. Compensation may be based upon whether you click on certain links on this site or buy products or services from those advertisers. We do not receive compensation from consumers. The placement of advertisements on this site are based in part upon the compensation AmONE has or expects to receive from those advertisers. Placement of advertisements does not reflect our recommendation of any advertisers' products or services. Please consult a financial services professional before making any financial decisions. Our advertisers do not include all the financial products and service providers available in the marketplace.

Loan availability, rates, APRs (Annual Percentage Rate), and other terms vary by advertiser and borrower attributes, including borrower location. Lenders have a range of available APRs; only borrowers with excellent credit will qualify for the lower rates. As of 01/11/2024, our advertisers were offering loans to some consumers for as little as a 6.40% APR on a three-year $100,000 loan.

We do not provide financial products or services. Rather, AmONE provides administrative and marketplace services by attempting to connect consumers with service providers offering products and services such as debt settlement and personal loans. We do not take applications or make credit decisions. We may not be able to match you with any of our advertisers. Credit and other decisions and terms are determined by our advertisers based upon the consumer's submission of an application to the advertiser, which may obtain other information about the consumer from third parties. Approval for financial products and services by an advertiser is not guaranteed.

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