A personal debt consolidation loan. There are many types of personal loans as there are reasons for getting one. A personal loan is a loan used for personal purposes and paid off using your own personal income. There are many types of personal loans as there are reasons for getting one. A personal loan is a loan used for personal purposes and paid off as part of your mortgage. One very popular form of personal loan today is the personal line of credit. This works just like an account which allows you to write checks and withdraw money using your debit card and these loans are popular because they often carry low interest rates. Some forms of personal loan are secured while others are unsecured. Different personal loans have different interest rates and late fee charges. Make sure you take personal responsibility for your debt and starting down the path to a debt counselor for.

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