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WHEN DO I REPAY THE LOAN. Loan repayment terms differ by lender. Thus, it is important to check the loan agreement from your lender for information uncollateralized personal loan the lender's repayment terms. IMPORTANT CUSTOMER INFORMATION. Personal loans differ from other types of loans, such as home mortgages or automobile loans. Specifically, personal loans allow you to spend your money in a number of different ways, whether it's to help pay off medical expenses, make home improvements, repairs to your vehicle or consolidate your cash advance accounting. A personal loan is paid back to the lender over a set period of time.