The answer is: C). loans that are given to consumers with bad credit
Consumers with bad credit tend to have high chance of not be able to give back their loan. This is why these consumers are considered to be 'high-risk' in the perspective of the credit providers.
Bad credit usually obtained due to inability to pay credit in the past, had higher spending compared to the amount of income, and do not possess any assets that can be used as collateral.
