Loan programs are financial products designed to help individuals and businesses borrow money for various purposes, such as buying a home, starting a business, or funding education. These programs often come with specific terms, including interest rates, repayment schedules, and eligibility criteria. Common types of loan programs include mortgages, student loans, and personal loans. Many loan programs are offered by banks, credit unions, and government agencies. Some programs may provide lower interest rates or flexible repayment options to assist borrowers. For example, FHA loans are designed to help first-time homebuyers, while SBA loans support small businesses in need of funding.