 And of course, there are differences in types of loans, especially between unsecured and secured. So an unsecured loan doesn't have that collateral that is backing the loan. So in that case, because there's a higher risk that you may default or not pay that loan, they will use a higher interest rate on those unsecured loans. So again, know whether your loan is secured or unsecured, and that will also make a difference in the interest rate.