What is the difference between secured and unsecured personal loans?

loans
In my math project I have to explain the difference between these two types of loans when getting a car loan, and why I have to use an unsecured loan when the secured loan interest rates are lower. If someone could explain this to me, I would give them a best answer vote.

i need a personal, secured or unsecured loan. my concern is that im in my 30s and i have never used my credit?

unsecured personal loans
i have never used my credit before for fear of runing it. i wanna get a small personal loan but i have not found any places that will aprove me my credits not bad or ruined i have just neevr used at all before. can anyone guide to a place where they will do me a loan

can a person with bad credit get a secured personal loan that has collateral?

personal loan
I am looking for a small personal loan between 500-$1500 and have the title to my 2002 Ford Taurus (great shape and fully loaded) as collateral, but I have bad credit, is there any lenders out there that meet my criteria?