For most people, applying for unsecured loans is something that is filled with uncertainty. The application process is considered unpredictable, with the chances of getting approval next to nil. But the truth is quite a bit different to that, and as long as the criteria are satisfied, there is every chance of getting approval.Of course, it is not just a simple matter, with bad credit scores complicating the issue a little – though not enough to kill off the chances of success. If certain factors are considered, then even getting loan approval without security is a reality, ensuring funds to alleviate financial difficulties are raised.There is no such thing as guaranteed unsecured loans, with approval dependent on satisfying the set criteria. The application itself also needs to be well structured and convincing, and to ensure this it is necessary to understand what options are available.Difference Between Unsecured and SecuredThere are only two basic loan choices: secured loans and unsecured loans. Of the two, a secured loan is the easiest to get approval on because an item of collateral is provided to the lender. This can be used as a source of compensation should the borrower default on the loan, so the lender is protected.But when a loan has no form of security with it, the lender carries the maximum degree of risk with nothing provided from which the lender can derive compensation should anything go wrong. In order to reduce the range of risk, getting approval without security is made that bit more difficult.What is more, interest rates are higher to counter the risk, and lower loan limits are set to reduce the size of the possible losses. This can mean either the loan is not large enough for the required purpose, or the costs are too high. With no guaranteed unsecured loans available, preparing a very strong application is important.Putting Together a Strong ApplicationThere are several steps to take to make a loan application stronger. One of the first things to do is to be realistic in the unsecured loan sum requested. Secured loans are not a major problem since the collateral provided matches the value of the loan. However, the unsecured option needs to be small so as to minimize the degree of risk the lender is under.For example, lenders are more comfortable with the idea of granting approval without security on a $3,000 loan than on a $10,000 loan. And remember that a loan sum that is easy to repay, is a loan that is unlikely to be cursed with hitches and problems. That builds a sound credit history.Understandably, this steady and reliable repayment schedule helps to guarantee unsecured loans being repaid in full, which effectively inspiring lenders to grant approval in any case.Getting Good Loan TermsThe road to financial recovery is a long one, with baby steps necessary to gradually build a credit status that lenders can feel comfortable about. While starting out with a modest unsecured loan, the loan limit can gradually increase, to $5,000 and then $10,000, and even higher.Still, the right terms are needed if affordable loans are to be secured at all. This is the main reason for sticking to a small loan balance first, so interest rates are kept low. Getting approval without security on these sums is easier, and repaying is quicker. And as each small loan is repaid, the terms improve further and credit score increases.There is no such thing as a guaranteed unsecured loan, but should a larger sum be necessary, then agreeing a longer repayment term can improve approval chances. This will mean a greater amount of interest paid over the lifetime of the loan, but can reduce repayments to something very manageable.