Loan contracts made by the borrower may require a person or collateral to the loan guarantee. This will require a guarantee or not, depending on the terms of a loan and the loan provider.
Contract was signed by the borrower may be an individual or collateral for the loan. This will need to be secured or not depends on the terms of the loan and the loan.
A loan by loan may be individual or securities to guarantee the loan. This will be a guarantee or not depends on the settlement of the loan and the loan.