Why do you think Personal loans borrowers are charged higher interest rates than Boat Loans?

Reivew the rate sheet here:https://www.bscu.org/pdf/MemberRates.pdf

Why do you think Personal loans borrowers are charged higher interest rates than Boat Loans?
why are home equity loans at a lower rate than motorcycle loans?
What are the various risks that lenders face when they lend out money?

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