Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to get short term loans [title] Understand the advantages and disadvantages. [step] Personal loans can be a great option for people who don't qualify for a regular bank loan. They offer flexible repayment structures and lower interest rates for the borrower.

Ending1: They are also often secured and more reliable than a traditional bank loan, so if you live in a poor area, you may be able to use that money to finance your dream loan. However, that does not mean you should take advantage of the services offered by lenders and work second-hand. Ending2: However, they can also be expensive to refinance with a minimal amount of money upfront. When you decide to apply for a loan, you should decide whether it is worth it to refinance your existing bank account. Ending3: They may also offer fixed specific terms, meaning you can instead pay what you owe in one lump sum. [title] Understand the risks and negative impacts of a cheaper bank loan. Ending4: However, things can get messy if the loan is not organized through a loan agreement and repaid on time. Another concern is the fact that your personal relationship with the person may be at risk if you default on the loan.

Answer format: ending1/ending2/ending3/ending4