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Is created when a buyer or borrower. Grants a seller or lender. A security interest in personal property. A security interest allows a creditor to repossess and sell the collateral if a debtor fails to pay a secured debt. A secured transaction involves a sale on credit or lending money where a creditor is unwilling to accept the promise of a debtor to pay an obligation without some sort of. Is an interest in personal property or fixtures that secures payment or performance of an obligation.