New Delhi, April 8 -- Personal loans are a way to use tomorrow's income today, and unlike other loan products that are used for buying a house or paying for an education, the process involved is simple. In fact, if you already have an account with a bank, you would have come across many offers for a personal loan. While these are easy to get, and offer almost instant gratification, you must note that the interest rates are much higher than, say, for a car loan....