Are secured short-term loans viewed as more risky or less, Financial Management

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Are secured short-term loans viewed as more risky or less

Are secured short-term loans viewed as more risky or less risky than unsecured short-term loans? why?

In general, what interest rates and fees are levied on secured short-term loans? Why are these rates general higher than the rates on unsecured short-term loans?

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Financial Management: Are secured short-term loans viewed as more risky or less

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