Carla has applied for a loan. Which condition makes it likely that she will get an unsecured loan?

She has a very good credit history.

She is ready to pay a huge amount in interest.

She is willing to put up her home as collateral for the loan.

Sigh. Depends on the lending climate. These days, now that lenders have been chastened by all the loan defaults that happened in the Great Recession, and laws have been tightened too, the good credit history is likely the most important thing.

A willingness to take collateral would turn the loan into a secured loan. So it doesn't really apply in this case.

"Payday" lenders are famous for making loans to borrowers who have bad credit histories but they usually require assignment of the forthcoming paycheck as collateral, so those are not unsecured loans, either.

Basically, it's very expensive for the bank when an unsecured loan goes bad, they lose more than they gain even on a high interest rate. So mostly, lenders prefer good credit history.