There are two main forms of private credit created by banks; unsecured (non-collateralized) credit such as consumer credit cards and small unsecured loans, and secured (collateralized) credit, typically secured against the item being purchased with the money (house, boat, car, etc.).
Postoje dva glavna oblika privatnog kredita koje banke odobravaju; neobezbeđeni kredit (bez garancije) kao što su potrošačke kreditne kartice i male neobezbeđene pozajmice i obezbeđeni krediti (sa garancijom) za koje se tipično garantuje samim predmetom kupovine novcem od kredita (kuća, čamac, automobil itd).