Best Secured Loans of 2022

Last Update: August 27, 2022 Loan Reviews Loans

Have you ever wondered how to get a loan with easy approval? Do you also need lower APRs with higher loan amounts? Secured Loans can answer your needs.

You can get secured loans with an APR as low as 2%. At the same time, you can get loan amounts of up to $2 million (or even more). No need to mention the easy approval process though.

Nonetheless, the process of finding the best-in-class secured loan eats up your valuable time. To relieve you from that trouble, we did our best to find out the top-notch secured loans available in the market.

Now, let’s discuss the finest secured loans in 2022 along with the necessary information.

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The Best Secured Loans 2022: Key Findings

Loan Amounts:

As mentioned earlier, you can get an amount of up to $2 million depending on the collateral. Usually, collateral such as home equity fetches higher loan amounts. Besides, while applying as a person with a low credit score, you may not get large amounts.

Interest Rates:

The interest rates of secured loans are often lower compared to unsecured loans. Usually, the APR ranges from 2% to 35.99% depending on the loan provider and other factors.

Credit Scores:

Some loan providers don’t impose credit requirements for secured loans. You often need a higher credit score to get a loan of at least $100,000 with most providers. When it comes to credit scores, “the bigger the better”.

Income Requirements:

Only a few loan providers have income requirements, that too for getting the best rates. Apart from that, it isn’t mandatory to meet any specific income requirements.

Collateral Requirements:

Different types of assets can be used as collateral for getting a secured loan. Some common examples of collateral include a house, a vehicle, money in a savings account, etc.

Due Diligence:

Please read the agreement carefully before signing, and don’t be afraid to ask questions. Moreover, you can consult a lawyer for additional assistance.

Obtaining the Lowest Rates:

By shopping around, you can land the lowest rate after considering these variables. And our marketplace is an excellent place to start your search.

The Best Secured Loans 2022

Nowadays, there are various lenders offering secured loans. In such a scenario, it is hard to pick the right lender or the loan, right? We hear you!!! That’s why we wanted to solve your issues by providing a list of leading secured loans. What we have in store regarding the best secured loans in 2022 include:

Lender: Type of Secured Loans: Loan Amount: APR: Min. Credit Score: Collateral: Best For:
  • Auto Secured Loan
Up to $50,000 5.94% to 35.97% 560 Less than 20-year-old cars High DTI Ratios
OneMain Financial
  • Secured Loan
$1,500 to $20,000 18% to 35.99% 600 to 650 Less than 10-year-old cars Highly Qualified Applicants
Wells Fargo
  • Cash-Out Refinance
  • Home Equity Line of Credit (temporarily paused)
$3,000 to $500,000 5.74% to 20.99% 620 Home Equity Wells Fargo customers
  • Secured Personal Loan
$2,525 to $20,000 5.74% to 35.99% None Less than 25-year-old cars (model years) Low APRs
Pentagon Federal Credit Union
  • Home Equity Line of Credit
  • Auto Refinance
$500 to $500,000 4.24% to 18.00% 660 Home Equity

Cars (New and Used)

Higher loan amounts
U.S. Bank
  • Home Equity Line of Credit
  • Home Equity Loan
  • Smart Refinance
  • Cash-Out Refinance
$25,000 to $200,000 4.95% to 9.35% 660 Home Equity U.S. Bank customers
Navy Federal Credit Union
  • Savings Secured Loan
  • Certificate Secured Loan
  • Home Equity Loan
  • Home Equity Line of Credit
$10,000 to $500,000 Earnings rate plus 2%;
5.74% to 18%
None Savings Account

Share Certificate (CD)

Home Equity

Service members and affiliates
  • Home Equity Line
  • Crypto Mortgage Plus
$15,000 to $3,000,000 3.99% to 11.5% 620 Home Equity


Higher loan amounts
Credit Union 1
  • Home Equity Line of Credit
  • Share Secured Loan
  • Share Certificate Secured Loan
  • Credit Saver Loan
Up to 2,000,000 for HELOC Earnings rate plus 3%;
6% – 8%
None Home Equity

Share Certificate (CD)

Savings Account

Savings/CD secured loan
First Tech Credit Union
  • Stock Secured Loan
  • Stock Secured Line of Credit
  • Certificate Secured Loan
  • Savings Secured Loan
$500 to $1,000,000 5.10% to 5.70%;
Earnings rate plus 3%
660 Stocks

Savings Account

Share Certificate (CD)

Low APRs
  • Home Equity Loan
  • Mortgage Refinance
$35,000 to $300,000 5.99% to 12.99% 620 Home Equity Low Fees
TD Bank
  • Home Equity Loan
  • Home Equity Line of Credit
Not specified 4.39% to 18% None Home Equity Higher loan amounts


Loan Amount: Up to $50,000
APR: 6.95% – 35.97%
Min. Credit Score: 560
Approval: 1 day
Terms: 2 – 7 years
  • A loan origination fee of 2.9% – 8%.
  •  Late payment fee of $10, after a 15-day grace period.
  •  Insufficient funds fee of $10.
  • There are no prepayment fees
Qualification Criteria:
  • Be at least 18 years of age.
  • Have a credit score of at least 560.
  • Have a DTI ratio that doesn’t exceed 75%.
  • Have recurring employment income or government benefits.
  • Fill out your information through Upgrade’s online portal.
  • The car, which is being kept as collateral should be a personal car and while being less than 20 years old.
  • The car should be free from any sort of liens or leases.
  • The car should be qualifying for certain criteria.
Average Borrower Profile:
  • Has a credit score of 678.
  • Has an annual income of $78,000.
  • Borrows $10,000.
  • Finances over 40 months.
Best For: High DTI Ratios
Check rates

Upgrade’s secured loan is an Auto Secured Loan with an automobile (car) as collateral. You can get larger loan amounts and lower rates with these. The cars kept as collateral must be owned by the borrower and should not exceed 20 years.

The usual APR rates are around 6.95% to 35.97% with a loan amount of up to $50,000. You can get the best rates by having a good credit score and a higher income.

You should get the necessary documents before submitting an application. Upgrade’s lending partners are Cross River Bank and Blue Ridge Bank, which are FDIC regulated. Therefore, it is legit and safe.


  • Upgrade provides secured loans of up to $50,000.
  • Low APRs are available.
  • You won’t incur upfront or prepayment fees.
  • A soft credit check during the application doesn’t hurt your credit score.
  • You can amend your payment date.
  • The auto-pay discount is 0.50%.
  • The direct lender works with bad and fair credit borrowers.
  • You can apply if you’re unemployed.
  • On-time repayment can increase your credit score.
  • Upgrade may offer COVID-19 deferrals.


  • The loan origination fee is 2.9% to 8%.
  • Upgrade charges late payment and insufficient funds fees.
  • The direct lender doesn’t issue loans in all states.

The impact of COVID-19:

Upgrade assists borrowers suffering due to COVID-19. You may qualify for a temporary reduction in your monthly payments. Otherwise, you can extend the loan’s length (based on the lender’s choice). You can learn more here. Likewise, you can also call Upgrade at 1-844-319-3909 or email

OneMain Financial

Loan Amount: $1,500 – $20,000
APR: 18% – 35.99%
Min. Credit Score: The estimated Min Credit Score is 600 to 650
Approval: 1 – 7 days
Terms: 2 – 5 years
  • A loan origination fee of 1% to 10%, or $25 to $500.
  • Late payment fee of 1.5% to 15%, or $5 to $30.
  • Insufficient funds fee of $10 to $50.
Qualification Criteria:
  • Be at least 18 years of age.
  • Have recurring employment income or government benefits.
  • Fill out your information through OneMain Financial’s online portal.
  • The vehicle (collateral) should not be older than 10 years.
  • The vehicle should be owned by the applicant along with valid insurance.
  • The applicant should provide ID proof, address proof, and proof of income.
  • Other documentation may also be necessary.
Average Borrower Profile:
  • Has an annual after-tax income of $45,000.
  • Borrows $10,000.
  • Finances over a five-year term.
  • Incurs an APR of 25%.
  • Has a credit score of 600 to 650.
Best For: Low credit scores
Check rates

OneMain Financial offers secured loans by keeping motor vehicles as collateral. Vehicles should be 10 years old or lesser. The APR varies between 18% and 35.99%. Borrowers with the most qualified profiles get lower rates. Nonetheless, the rates are higher than most competitors.

There are specific minimum loan amounts depending on the state you are living in. This makes it inconvenient for many customers seeking a secured loan.

Active military personnel, their spouses, or dependents needn’t provide any collateral. OneMain Financial focuses on the safety of customer data.


  • OneMain Financial can help you land a personal loan of $1,500 to $20,000.
  • Flexible repayment schedules of two to five years are available.
  • Like ZippyLoan and Oportun, there is no minimum credit score requirement.
  • Applying won’t impact your credit score.
  • Rewards for autopayment.


  • OneMain Financial’s low-end APR is higher than other lenders on our list.
  • OneMain Financial’s loan origination fee is 1% to 10%, or $25 to $500.
  • OneMain Financial’s late payment fee is 1.5% to 15%, or $5 to $30.
  • OneMain Financial’s insufficient funds fee is $10 to $50.
  • Minimum and maximum loan amounts vary by state.
  • Financing is not available in all states.
  • Extra time for releasing the lien on collateral after the loan gets cleared.

The impact of COVID-19:

To deal with COVID-19, OneMain Financial offered payment deferrals and waived late fees. The lender also donated funds to the Centers for Disease Control and Prevention (CDC). And if you need further help, you can call the loan company at 1-800-961-5577.

Wells Fargo

Loan Amount: $3,000 – $500,000
APR: 4.294% – 20.99%
Min. Credit Score: 620
Approval: 1 – 7 days
Terms: 1 – 7 years
  • Late payment fee of $39.
  • Insufficient funds fee of $39.
  • There are no loan origination fees.
  • There are no prepayment fees
Qualification Criteria:
  • Late payment fee of $39.
  • Insufficient funds fee of $39.
  • There are no loan origination fees.
  • There are no prepayment fees.
Average Borrower Profile:
  • Excellent credit scores often get APRs of 5.74% to 8.22% on a three-year term.
  • Good credit scores often get APRs of 9.47% to 11.96% on a three-year term.
  • Fair credit scores often get APRs of 11.96% to 14.46% on a three-year term.
Best For: Wells Fargo customers
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The secured loan from Wells Fargo is a Home Equity Line of Credit. Due to current market conditions, it is not possible to get a HELOC. This is a temporary pause and there isn’t any data on when this will resume.

Instead, You can get a Cash-Out Refinance from Wells Fargo. With this, you can replace the existing mortgage and get a new one while having the cash needed. Refinancing rates at Wells Fargo start from 4.294%.


  • Wells Fargo provides secured loans of $3,000 to $500,000.
  • Low APRs are available.
  • There are no origination or prepayment fees.
  • Some checking account holders receive APR discounts.
  • You can change your payment dates.
  • You have access to free FICO Score analysis.
  • On-time repayment can increase your credit score.
  • Wells Fargo’s mobile app is easy to use.
  • Wells Fargo may offer COVID-19 deferrals.


  • Late payments and insufficient funds will cost you $39.
  • Wells Fargo usually won’t approve poor credit applicants.
  • Only 10% of applicants get the lowest APRs, and you need a high income and credit score to meet the requirement.
  • A hard credit check can hurt your credit score, and there is no pre-qualification option.
  • New customers have to apply in person.

The impact of COVID-19:

Wells Fargo offers hardship exemptions to personal loan borrowers affected by the pandemic. You can contact a representative via phone or manage your account online. Yet, the critical point is you don’t need to make payments during the deferral period. For more information, please read Wells Fargo’s COVID-19 relief FAQs.


Loan Amount: $2,525 – $20,000
APR: 7.99% – 35.99%
Min. Credit Score: None
Approval: 1 – 7 days
Terms: 21 – 46 months
  • A loan origination fee of $0 to $300.
  • Late payment fee of 5% of the amount due, or $10, whichever is less, after a 10-day grace period.
  • Insufficient funds fee of $15.
  • An administrative fee of $75 for loans greater than $5,000.
Qualification Criteria:
  • Be at least 18 years of age.
  • The borrower must be from Arizona, California, Florida, New Jersey, or Texas.
  • Have a monthly income of at least $500.
  • Have up to four personal references.
  • Fill out your information through Oportun’s online portal.
  • The car (collateral) must be owned by the borrower.
  • There must be no balance payments on the car loan.
  • The car must meet certain criteria set by Oportun.
Average Borrower Profile:
  • Has an annual income of $50,000
Best For: Small loans
Check rates

Oportun’s Secured Personal Loans are available when a borrower uses their car as collateral. The car must not be older than 25 model years and should not have exceeded 250,000 miles.

Only the borrowers from Arizona, California, Florida, New Jersey, and Texas are eligible. You can even check your pre-qualification status without affecting your credit score.

The typical loan amount is around $4,700 to $18,000 and the APR is capped at 36%. It is the best secured loan for people trying to get smaller loan amounts.


  • Oportun can help you land a personal loan of $300 to $10,000.
  • Affordable APRs of 7.99% to 35.99% are available in selected states.
  • Flexible repayment schedules of one to four years are available.
  • Like ZippyLoan and OneMain Financial, there is no minimum credit score requirement.
  • Applying won’t impact your credit score.


  • Oportun’s loan origination fee is $0 to $300.
  • Oportun’s late payment fee is the lesser of $10, or 5% of the amount due after a 10-day grace period.
  • Oportun’s insufficient funds fee is $15.
  • Oportun’s administrative fee is $75 for loans greater than $5,000.
  • Loans are not available in all states.

The impact of COVID-19:

To help customers during the pandemic, Oportun offered financial assistance to qualifying borrowers. Moreover, if you are unable to make your payments, you can call the lender at 1-866-488-6090.

Pentagon Federal Credit Union

Loan Amount: For Home Equity Line of Credit:

  • $25,000 – $500,000 (up to a limit of 1 million for multiple properties).

For Auto Refinance:

  • $500 – $150,000.
APR: For Home Equity Line of Credit:

  • 5% – 18% for primary residences and second homes.
  • 4.7% – 18% for investment properties.
  • 0.99% introductory rate for the first six months.

For Auto refinance:

  • 4.24% – 6.05% for new vehicles.
  • 5.04% – 5.54% for old vehicles.
Min. Credit Score: 660
Approval: 1 – 7 days
  • For Home Equity Line of Credit: 10-year draw period and up to 20-year repayment period.
  • For Auto Finance: 3 – 7 years
  • Late payment fee of $29.
  • Insufficient funds fee of $30.
  • There are no loan origination fees.
  • There are no prepayment fees.
  • There are no application fees.

For Home Equity Line of Credit:

  • Annual fee of $99 (only if at least $99 wasn’t paid in interest in the previous year).
  • Closing costs around $500 to $8,500 for credit lines of $500,000.
  • Appraisal fee of $550 to $850 or more (for loans exceeding $400,000).
Qualification Criteria:
  • Be a member.
  • Be at least 18 years of age.
  • The maximum DTI ratio is often 50%.
  • Have recurring employment income or government benefits.
  • Fill out your information through Pentagon Federal’s online portal.

For Home Equity Line of Credit:

  • A minimum credit score of 700.
  • At least 20% equity is required.

The borrower must be the owner of the property (collateral).

For Auto Refinance:

  • The new vehicle for collateral should be a 2021 model or newer.
  • The miles driven should be less than 7,501 miles.
  • Old vehicles are appraised based on JD Power’s evaluation.
  • There are some eligibility criteria for vehicle weight, mileage, etc., (both new and old).
Average Borrower Profile:
  • Excellent credit scores often get APRs of 4.99% to 5.99%.
  • Good credit scores often get APRs of 7.99% to 9.99%.
  • Fair credit scores often get APRs of 11.99% to 17.99%.
Best For: High DTI ratios
Check rates

There are two secured loans from the Pentagon Federal Credit Union. They are Home Equity Line of Credit and Auto Refinance.

HELOC comes with a loan amount of $500 to $50,000. You can have multiple PenFeD Equity loans and HELOCs as long as the amount doesn’t exceed $1 million. The APR is 4.7% to 18% depending on the property (0.99% introductory interest for the first 6 months).

Auto Refinance is available for used cars or new cars (2021 or newer). The loan amount is around $500 to $150,000 with APR between 4.24% and 6.04%. The National Credit Union Administration insures PenFed. Hence, it is legit and safe.


  • Pentagon Federal provides secured loans of $500 to $500,000.
  • Low APRs are available.
  • You won’t incur origination or prepayment fees.
  • You can qualify in all regions.
  • Applying won’t hurt your credit score.


  • There are insufficient funds and late payment fees.
  • Closing costs apply to HELOC
  • Appraisal fees are high for HELOC more than 400,000.
  • You must become a member.

The impact of COVID-19:

During the pandemic, forbearance programs were available to borrowers. Especially for those struggling to make loan payments. If you’re having financial disruptions, contact Pentagon Federal’s Financial Hardship Center. You can call them at 1-800-247-5626 and inquire about possible solutions.

U.S. Bank

Loan Amount: $25,000 – $200,000
APR: For Home Equity Line of Credit:

  • 4.95% – 9.35%. Will vary according to the prime rate. This will not go below 3.25% or exceed 18%.

For Home Equity Loan:

  • 6.10% fixed rate for a 10-year term and 15-year term.

For Smart Refinance:

  • 5.79% for a 15-year term.
  • 5.99% for a 20-year term.

For Cash-Out Refinance:

  • Competitive rates.
Min. Credit Score: 660 – 730
Approval: 1 – 7 days
Terms: Up to 20 years depending on the type of loan/line of credit.
  • Late payment fee of $10.
  • There are no loan origination fees.
  • There are no prepayment fees and closing costs.
  • An early closure fee of $90 may be applicable.
  • Possibility of initial escrow-related funding costs.
Qualification Criteria:
  • Be at least 18 years of age.
  • Have a credit score of at least 660.
  • The maximum DTI ratio is often 60%.
  • Have recurring employment income or government benefits.
  • Fill out your information through U.S. Bank’s online portal.
  • A U.S. Bank checking account and a FICO score of 730 is necessary to get the lowest rate for some options.
  • Properties kept as collateral must have insurance.
  • In certain cases, properties held in a trust in some states aren’t eligible.
Average Borrower Profile: U.S. Bank doesn’t disclose average personal loan statistics
Best For: U.S. Bank customers
Check rates

U.S. Bank has four different options for secured loans/lines of credit. They are HELOC, Home Equity Loan, Smart Refinance, and Cash-Out Refinance. You can access your home equity for getting secured loans through these options.

Home Equity Loan and Smart Refinance have fixed interest rates. HELOC has variable interest rates. Cash-Out Refinance has competitive rates (interest rates for loans with similar terms). The loan amount ranges from $25,000 to $200,000 depending on the selected option.


  • U.S. Bank provides secured loans of $25,000 to $200,000.
  • Low APRs are available.
  • There are no origination or prepayment fees.
  • There are APR discounts with auto-pay.
  • Applying won’t affect your credit score.


  • You incur late payment fees, early closure fees and escrow-related costs.
  • You need a FICO score of 730, a credit limit below $100,000 and an LTV above 70% to get the lowest rates.
  • The direct lender doesn’t issue loans in all states.

The impact of COVID-19:

U.S. Bank created forbearance programs for borrowers affected by the pandemic. The policies covered various financial products, including large personal loans. To inquire about current policies, you can call U.S. Bank’s pandemic hotline at 1-888-287-7817. You can also get assistance by calling 1-800-872-2657 or emailing

Navy Federal Credit Union

Loan Amount: For Savings Secured Loans:

  • $25,000 to $50,000 for a term of 61 to 84 months.
  • $30,000 to $50,000 for a term of 85 to 180 months.

For Certificate Secured Loans:

  • 100% of your certificate’s principal balance.

For Home Equity Loan:

  • $10,000 – $500,000 (up to 100% of the home’s equity).

For Home Equity Line of Credit:

  • $10,000 – $500,000 (up to 95% of the home’s equity).
APR: For Savings Secured Loans:

  • Current savings rate plus 2% for a term up to 60 months.
  • Current savings rate plus 3% for a term of 61 to 180 months.

For Certificate Secured Loans:

  • Current certificate rate plus 2%.

For Home Equity Loan:

  • 74% – 18%

For Home Equity Line of Credit:

  • 75% – 18%
Min. Credit Score: Not Listed
Approval: 1 – 7 days
Terms: Up to 180 months for Savings Secured Loans.

Up to 60 months for Certificate Secured Loans.

5, 10, 15, and 20 years for Home Equity Loan.

20-year draw period with a 20-year repayment period following that.

  • Late payment fee of $29.
  • There are no loan origination fees.
  • There are no prepayment fees.
  • Closing costs range around $300 to $2,000 for loan amount up to $250,000.
Qualification Criteria:
  • Be a member.
  • Be at least 18 years of age.
  • Have recurring employment income or government benefits.
  • Fill out your information through Navy Federal Credit Union’s online portal.
Average Borrower Profile: Navy Federal Credit Union doesn’t disclose average personal loan statistics.
Best For: Service members and affiliates.
Check rates

Navy Federal Credit Union offers four types of secured loans. They are Savings Secured Loan, Certificate Secured Loan, Home Equity Loan, and HELOC.

Savings Secured Loan is available with funds in the savings account as collateral. Certificate Secured Loan is available with a Share Certificate (CD) as collateral. Home Equity Loan and Home Equity Line of Credit need home equity as collateral.

The APR rate is 2% or 3% plus the savings rate for a Savings Secured Loan. It is 2% plus the certificate rate for a Certificate Secured Loan. The APR for a Home Equity Loan starts from 5.74% and it is 5.75% for a HELOC. For both these loan products, the limit for the APR is 18%.


  • Low APRs.
  • You won’t incur origination or prepayment fees.
  • Instant funding after approval.
  • No early closure fees.


  • There are fees for late payments.
  • You must be associated with the armed forces.
  • The direct lender doesn’t issue loans in all states.

The impact of COVID-19:

Navy Federal Credit Union provided help to borrowers affected by the pandemic. It was through extensions, payment deferrals, and increased credit limits. To learn more, you can call the company at 1-888-842-6328. Otherwise, you can send a secure message through your online banking portal.


Loan Amount: For Home Equity Line:

  • $15,000 – $400,000 (depending on the location and the property).

For Crypto Mortgage Plus (New):

  • $75,000 – $3 million (depending on the crypto collateral).
APR: For Home Equity Line:

  • 3.99% – 11.5%. (must be a member and should activate autopay to get a discount of 0.75%)

For Crypto Mortgage Plus:

  • 6.99% fixed rate.
Min. Credit Score: At least 620.

A credit score of 800 is necessary to get the best rates for Home Equity Line.

Approval: Within the same day.

Funding takes 5 days.

Terms: Up to 30 years.
  • There is a loan origination fee of 4.99% on the initial draw (based on the state).
  • Recording fees are applicable.
  • Subordination fees are applicable when you ask to change the lien position.
  • No closing costs.
  • No prepayment penalties.
Qualification Criteria: For Home Equity Line:

  • Must be a resident of one of the 42 states mentioned in Figure.
  • A credit score of at least 620.

For Mortgage Crypto Plus:

  • Must have enough cryptocurrency to keep as collateral.
  • Only available in Alabama, Arizona, California, Colorado, Florida, Georgia, Nevada, and New Jersey.
Average Borrower Profile: The figure doesn’t disclose average personal loan statistics.
Best For: Secured Loan for Debt Consolidation.
Check rates

With the Home Equity Line of Figure, you can tap into your home equity and get a loan of up to $15,000 to $400,000. The APR is around 3.99% to 11.5%. You must pay an origination fee, opt for auto-pay, and have a credit score of 800 to get the lowest rates.

Crypto Mortgage Plus offers up to $3 million at a fixed rate of 6.99%. Cryptocurrency you own gets used as collateral, which is subject to regular changes. It is a future endeavor of Figure and will launch soon.

It is not available in all states, which may be inconvenient for some customers.


  • APR is as low as 3.99%.
  • 100% online process.
  • Faster approval.


  • Autopay, origination fee, and a credit score of 800 are necessary for getting the lowest APR.
  • The funding process may take 5 days or longer.
  • Unless the credit score is more than 680, the maximum loan amount is $125,000.
  • An origination fee of 4.99%.

The Impact of COVID -19:

The Figure does not have any COVID-19 policies mentioned on their website. Anyhow, you can contact them on 888-819-6388 to know more details.

Credit Union 1

Loan Amount Not Disclosed for Share Secured Loans, Share Certificate Secured Loans, and Credit Saver Loans.

Up to $2 million for Home Equity Line of Credit.

APR: For Share Secured Loans, Share Certificate Secured Loans, and Credit Saver Loans:

  • 3% – 6% above the share dividend rates and certificate dividend rates.

For Home Equity Line of Credit:

  • Prime rate + 0.50% for the entire loan term. The floor rate is 3.74%. The APR is capped at 18%.
Min. Credit Score: None
Approval: Not disclosed
Terms: For CD, Share Secured, and Credit Saver loans:

  • Up to 60 months.


  • Up to 20 years of
  • An account opening fee of $10.
  • An origination fee of 0.5% – 3.5%.
  • A processing fee of $49.


  • No application fee.
  • No appraisal fee.
  • There are no closing costs, except for IL, IN, and NV customers.
  • An annual fee of $75 is applicable.
  • A minimum monthly payment of $100.
Qualification Criteria: Not disclosed.
Average Borrower Profile: Not disclosed.
Best For: Savings/CD secured loan.
Check rates

There is no minimum credit score for getting Secured Loans at Credit Union 1. The APR is 3% to 6% over the savings or CD account’s earning rates. For HELOC, the maximum amount depends on your CLTV (Combined Loan-To-Value) ratio. The APR is a variable rate depending on the prime rate. The APR doesn’t exceed 18% or doesn’t go under 3.74%.

You can apply online, through the phone, or in person at more than 5,000 branches. The first payment can be set two months later unless you choose to pay earlier.


  • Low APR.
  • No minimum credit score.
  • No prepayment penalties.


  • The maximum loan term is only 60 months.

The Impact of COVID-19:

Credit Union 1 takes active measures to prevent the spread of COVID-19. Especially, to protect their employees, members, and community. Most of the services such as loan applications, paying bills, etc., are online. To get assistance, you can call their Member Solutions Team at 8002526950. otherwise, use their Live Chat option to get more help related to the COVID-19 situation.

First Tech Credit Union

Loan Amount: For Stock Secured Loans:

  • $25,000 – $1 million

For Stock Secured Line of Credit:

  • $25,000 – $1 million

For Certificate Secured Loans:

  • $500 – $500,000

For Savings Secured Loans:

  • $500 – $500,000
APR: For Stock Secured Loans:

  • 5.10% – 5.70%.

For Stock Secured Line of Credit:

  • As low as 10.50%.

For Certificate Secured Loans:

  • Certificate earnings rate plus 3%.

For Savings Secured Loans:

  • Savings account earnings rate plus 3%.
Min. Credit Score: 660
Approval: Not disclosed.
Terms: 5 – 12 years.
  • No origination fees.
  • No prepayment fees.
Qualification Criteria: The minimum credit score of 660.
Average Borrower Profile: Not disclosed.
Best For: Secured loans from credit unions.
Check rates

With different types of secured loan options from First Tech Credit Union, you can get a loan of $500 to $1 million. For Savings Secured Loans and Certificate Secured Loans, the APR is earnings rate plus 3%. For Stock Secured Loans, APR is 5.10% to 5.70%, and for Stock Secured Line of Credit, the APR is as low as 10.50%.

The borrower should be a member of the credit union to get access to these loan products.


  • Funding takes one business day.
  • Availability of various loan products.
  • No origination fees.
  • No prepayment fees.


  • Only for Credit Union members.
  • No extra discounts for autopay.
  • Payments get reported to only one of the three major credit bureaus.

The Impact of COVID-19:

First Tech Credit Union encourages its members to follow protective measures. These measures are for the prevention of COVID-19 as per the CDC.


Loan Amount $35,000 – $300,000
APR: For Home Equity Loan:

  • 6. 99% – 12.99% fixed rate APR.

For Mortgage Refinance:

  • 5. 99% – 9.99% fixed rate APR.
Min. Credit Score: 620
Approval: 6 – 8 weeks
Terms: 10, 15, 20, & 30 years
  • Late payment fees are applicable.
  • There are no loan origination fees.
  • There are no application fees.
  • There are no appraisal fees.
  • There are no prepayment penalties for customers from selected states who qualify for certain criteria.
Qualification Criteria:
  • The min credit score is 620.
  • The combined Loan-To-Value ratio maxes out at 89.99%.
  • The max Debt-To-Income ratio (DTI) is 43%.
Average Borrower Profile: Not disclosed.
Best For: Low Fees
Check rates

Discover offers two types of secured loans where customers can get a loan with their home equity. They are Home Equity Loan and Mortgage Refinance Loan. Customers can avail of a cash-out refinance from their mortgage refinance option.

Loan amounts for both these range from $35,000 to $300,000. The APR is around 5.99% to 12.99% depending on the loan type selected. The credit score requirement is 620, but higher scores get the best rates or higher loan amounts.


  • There are no application fees, appraisal fees, or loan origination fees.
  • Cash-out refinancing and home equity loans come with a max loan amount of $300,000.
  • Customers can borrow up to 90% of their home equity.


  • Not available for customers from certain states.
  • Not available for customers from any of the U.S. territories.
  • Possibility of prepayment penalties up to $500.
  • A very long approval process, which takes around 6 to 8 weeks to complete.
  • The minimum loan amount is higher than most alternative loan providers.

Impact of Covid-19

Discover offers temporary relief to customers affected by the Coronavirus pandemic. To know more about their COVID-19 policy, you can reach out to their customer support team.

TD Bank

Loan Amount The maximum amount depends on the CLTV (combined loan-to-value) ratio and credit limit.

  • The minimum loan amount for the Home Equity Loan is $10,000.
  • The minimum loan amount for the Home Equity Line of Credit is $25,000.
APR: For Home Equity Loan:

  • 4.39% – 9.76%.

For Home Equity Line of Credit:

  • 5.49%; variable rates around Prime rate minus 0.01%.

For both Home Equity Loan and HELOC, the APR will not exceed 18%.

Min. Credit Score: None
Approval: Not disclosed
  • Home Equity Loans come with terms ranging from 5 to 30 years.
  • Home Equity Line of Credit comes with a 10-year draw period and a 20-year repayment period.
Fees: For Home Equity Loan:

  • An origination fee of $99 is applicable.

For Home Equity Line of Credit:

  • An annual fee of $50 is applicable for loan amounts greater than $50,000.
  • An origination fee of $99 is applicable.
  • For early closing within 24 months, a termination fee of 2% is applicable. This is on the outstanding principal amount paid off (capped at $450).
  • Closing costs are applicable on the lines of credit exceeding $500,000.
  • A mortgage discharge fee is also applicable when refinancing a mortgage or a home equity loan or a home equity line of credit.

Additional charges of this bank include appraisal fees, title fees, taxes, insurance, attorney fees, etc.

Qualification Criteria:
  • Although it is not mentioned on the bank’s website, it is better to have a min FICO score of 620.
  • The Debt-To-Income ratio (DTI) must be low.
  • The collateral must be a primary or secondary residence.
  • The collateral must not be among any of the following: – Mobile Home
    – Boat
    – RV
    – A home listed for sale
    – A house under construction
    – A house located on leased land.
Average Borrower Profile: Not disclosed.
Best For: Higher loan amounts
Check rates

TD Bank’s secured loan products are good for getting higher loan amounts. Customers can access their home equity and get the loan amount. The loan amount depends on the customer’s CLTV ratio and available credit limit.

One major drawback of the bank is that it charges various types of charges. Some of these charges are usually waived off by most competitors. Adding to that, it is only available in 16 states. TD Bank’s Home Equity Loan offers an APR of 4.39% (including the 0.25% autopay discount). The HELOC has a variable rate of 5.49% which depends on the prime rate (never exceeds 18%).


  • The interest rates are quite low compared to most lenders.
  • A discount of 0.25% for setting up autopay for Home Equity loans.
  • A discount of 0.25% on HELOCs for having a checking account with TD Bank.
  • There is no minimum draw amount for HELOC.
  • Overdraft protection is offered with the TD Equity Access Plus card.


  • Lacks customer satisfaction.
  • Charges various types of fees, which include fees waived off by other lenders.
  • Only available in 16 states.
  • Closing a loan or HELOC must be done in person.
  • The minimum loan amounts are higher compared to some other lenders.

The Impact of COVID-19

The TD Bank takes the necessary measures for dealing with the spread of the COVID-19 pandemic. The bank also offers personal banking relief and business banking relief. This is for the individuals experiencing financial hardship because of the pandemic.

What are Secured Loans?

A secured loan is the amount of money you borrow from a lender by pledging something you own as collateral. There are different types of collateral depending on the lender. Common types of collateral required by lenders are home, vehicle, money in a savings account, and so on.

You have to pay off the principal loan amount plus the interest amount over time. If you fail to repay the loan, then the lender has the authority to seize your collateral. After you repay the loan, the lender gets relieved of their rights on the collateral.

Secured loans are like unsecured loans when it comes to approval.  Like unsecured loans, you need creditworthiness, income requirements, etc., depending on your lender. The only difference between a secured loan and an unsecured loan is the collateral.

The interest rates are lower for secured loans in contrast to unsecured loans. In most cases, lenders might even provide larger loan amounts for secured loans.

Who Offers Secured Loans?

Financial institutions such as Banks, Credit Unions, Online Lenders, etc., offer secured loans. You might have some lender-specific options depending on the type of lender.

As an example, some banks and credit unions offer savings secured loans and CD secured loans. Online lenders may or may not provide such types of secured loans.

What are the benefits of secured loans?

Secured loans come with a set of benefits and drawbacks compared to unsecured loans. Let us start by discussing the advantages of secured loans.

  • Low APRs

A great advantage of secured loans is the availability of low APRs. You are likely to get access to low APRs with most lenders offering secured loans.

  • Easy Approval

The next best thing about secured loans is the approval process. That’s right! You can get approved for a secured loan with ease. Why? Because secured loans need collateral from an individual. This collateral creates a sense of security for the lender and decreases the risk. Because of that, lenders feel confident about lending money to such borrowers.

  • Larger Loan Amounts:

Unsecured loans are only available up to a certain limit on loan amounts. The loan amounts are a tad bit higher with secured loans as they get secured with collateral. Reason for that? The collateral value is usually higher than the unsecured loan amount. This offers the borrowers to get larger loan amounts that depend on their collateral.

  • Minimum Credit Score Requirements

Imagine someone getting rejected for an unsecured loan. There can be many reasons for the rejection of the loan application. Nonetheless, the major reason is due to lack of credit score. With secured loans, you won’t have to worry about that. Secured loans are available for people even with lower credit scores. Some lenders don’t have any requirements for credit scores at all.

  • Build Your Credit Profile

The credit score builds over time when you get a loan and pay it back on time. With secured loans, you can even build your credit score. This is beneficial for the people who seek to build their credit profiles.

  • Responsibility

Secured loans need collateral, which gets owned by the lender in the case of loan default. This creates a sense of responsibility among the borrowers. And for that reason, borrowers tend to pay back their loans.

What are the drawbacks of secured loans?

Now, let us have a close look at the drawbacks of secured loans

  • Possibility of rejection

Yes, secured loans are easy to get approved, and there’s no denying that. That does not mean you will not get rejected for the loan application. Even secured loans have some eligibility criteria. If you are unable to meet such criteria, you may not get a loan.

  • Risk of losing your assets

Always remember that you will provide collateral for secured loans. Nobody can predict the exact financial future. If you were ever to default your secured loan, then get ready to kiss the collateral goodbye. Try to pledge something easier to get back regardless of your financial situation.

  • Appraisal Value

The collateral’s appraisal value might not always be a fair value. This leads to two types of disadvantageous situations. First, the appraisal value may fall short of the needed loan amount. In such a circumstance, your application will either get rejected or you have to get a lower loan amount. The second disadvantage is when you default on the loan. This leads to losing something of a far greater value than what you borrowed.

  • Some loans have higher rates

Some specific secured loans have higher interest rates, even compared to unsecured loans. These types of secured loans result in financial difficulties and may even lead to a cycle of debt.

What are the Types of Secured Loans?

In general, any loan backed by something of value as collateral is a secured loan. A few examples include:

  • Vehicle loans
  • Mortgage loans
  • Savings Secured Loans or Share Secured Loans
  • Secured Credit Cards
  • Car Title Loans
  • Pawnshop Loans
  • Home Equity Loans
  • Home Equity Lines of Credit
  • Life Insurance Loans

Even loans like vehicle loans, mortgages, home equity lines of credit, and home equity loans come under the category of secured loans. Why? Because they are secured by assets.

How to Choose the Collateral and What are the Requirements?

First, you must select a secured loan that suits your needs at a favorable rate. The collateral will depend on the type of secured loan selected. The requirements for those loans will vary from lender to lender.

As discussed before there are various types of secured loans. Let’s have a brief look at a few examples to get a better understanding. Let’s take Home Equity Lines of Credit, Auto Secured Loans, and CD Secured Loans.

For a home equity line of credit, you can access your home equity to get a line of credit. Here, the house is being kept as collateral and the requirements depend on it. Some general criteria include ownership, available equity concerning appraisal value, and so on.

Not all home equity lines of credit operate in the same way. The collateral requirements might differ from lender to lender. They may also vary depending on other factors.

If we take an auto secured loan as an example, factors such as KMs driven, model and make of the car, ownership of the car, etc., play a vital role in making it qualifying collateral.

Similarly, if we observe CD secured loans, the principal balance is the collateral and this determines the amount you can get as a loan. This way, the collateral and the way it qualifies depend on the secured loan type.

How to Pick the Best Secured Loan Type?

You must focus on a few factors before determining the secured loan in your favor, and this applies while selecting the loan type as well as the loan provider.

While selecting the loan type, you must consider your needs and the collateral you have. For example, if you need a larger loan amount and have an asset like a house, then you can choose a home equity loan or home equity line of credit.

If you need a smaller loan amount and own an asset like a car, then an auto secured loan should suffice.

How to Pick the Best Secured Loan Provider?

When it comes to selecting a secured loan provider, you must pay attention to some influential aspects. Some of the factors affecting a secured loan are:

  • APR
  • Loan amount
  • Qualifying criteria
  • Requirements
  • Additional fees

First, pay attention to the APR and find one offering a lower rate. Additionally, Try to find a secured loan that has fewer fees. In general, additional fees include Origination fees, Prepayment fees, Late payment fees, etc.

Flexible payment methods also play a key role in deciding the favourability of a secured loan. Most loans come with a feature of pre-qualification. This allows you to know the rates, loan amount, and other important details.

Hard credit checks will impact your credit score even during the pre-qualification process. Anyhow, you don’t have to worry about that with secured loans as they conduct a soft credit check.

Some loan providers offer the ability to have a co-borrower or co-signer on the loan. The co-borrower feature allows you to take a loan along with another individual. A co-borrower is accountable for the loan just as much as you are. On the other hand, a co-signer is someone responsible for the repayment when you fail to pay off the loan. A co-signer comes in when don’t meet the credit requirements set forth by the loan provider.

To get the best secured loan, search for useful features and avoid the negative aspects.

How to Apply for a Secured Loan?

Given below is the common process of applying for a secured loan.

  • Get familiar with your creditworthiness

Before getting a secured loan, have a detailed analysis of your creditworthiness. By doing so, you can get a rough idea of how much you can get, the rates you access, and the options you have.

  • Budget analysis

If you take a secured loan, you must fit your repayment dues into your budget. For that, create a budget analysis and know how much you can pay off every month.

  • Evaluation of collateral

Lenders have an evaluation of their own while offering a secured loan. Anyhow, it is better if you have an evaluation of collateral by yourself. This helps you in knowing the actual appraisal value. So, you can compare what the actual value is and what you are getting.

  • Find the best loan

Enquire a few lenders and get to know various offers before going ahead with a specific lender. By doing so, you can choose the best secured loan among the options available.

  • Pre-qualification

It is very important to know whether you qualify for a loan. The prequalification process helps in knowing whether you qualify for a secured loan. You don’t have to worry as prequalification requires a soft credit check.

  • Submit an application

Prepare all the necessary documentation and apply for the secured loan. Depending on the provider, you can apply online or visit the lender in person.

Do Secured Loans Affect Your Credit?

When applying for a secured loan, there are two types of credit checks. They are soft credit checks and hard credit checks. Soft credit checks don’t have any impact on your credit score. Whereas hard credit checks have a negative impact on your profile.

As for building your credit, secured loans do help you in building your credit. Most credit unions encourage borrowers to get a secured loan for this purpose. Always try to make timely payments as late payments end up lowering your credit score.

What is the Minimum Credit Score for Getting a Secured Loan?

This will vary by the lender because different loan providers have different requirements. Some lenders provide a secured loan without considering the credit score. Anyhow, having a good credit score allows you to get a favorable secured loan.

What Type of Secured Loans Should I Avoid?

Try to avoid loans such as pawnshop loans, payday loans and car title loans.

Pawnshop loans have a need for valuable collateral and charge APR that may be as high as 200%. If you fail to repay the loan, the pawnshop will own your valuables.

Car title loans come with high-interest rates and shorter loan terms. Most people borrow from other lenders when they try to make the repayments on time. Such people end up making more debts and becoming financially unstable.

With payday loans, individuals have to repay the loan within a period as low as two weeks. (as soon as they receive their salary). After repaying the due, individuals won’t have enough money from their salary. Furthermore, they have to get another loan and get stuck in a debt cycle.

How to Get the Best Auto Loan?

Auto loans are of two types. The first one is where you need a loan to buy a new or used vehicle. The second one is where you keep your own vehicle as collateral for getting the loan. The criteria for the latter are the same as that of secured loans.

The first type is referred to as an “Auto Loan”. But the second type is known by the names “Auto Secured Loan” or “Auto Refinance Loan”.

Even though you can’t get any cash from auto loans, they still need collateral. The collateral, as the name itself suggests, is the vehicle you’re going to buy.

First of all, the credit score is one of the major requirements just like with any other loan. When it comes to credit scores, “the bigger the better”. Reports state that a credit score of at least 730 is necessary for getting good auto loans. This can be a bit lower (up to 670) while buying a used vehicle. To get the best available rates on an auto loan, you may even need a score of up to 780 or higher.

Next, you have to make a down payment for getting an auto loan. By paying more amount in the form of down payment, you can get access to lower interest rates.

Following that, select a shorter loan repayment period instead of a longer one. The longer the loan term is, the higher the rates are on a loan.

You must also know about aspects like the fees involved, qualification criteria, etc.

Calculate the entire amount you will be paying over the life of the loan. This creates a sense of whether the amount you will be paying is worth it. Search around for the available loan options until you find a loan that addresses your needs.

How to Get the Best Mortgage Loan?

Some people may be fortunate enough to buy a house by making the entire payment. Anyhow, the majority of people get their dream of owning a house fulfilled through a mortgage.

Here, finding a suitable mortgage may be as easy as it sounds. In general, the mortgage repayment period can be way longer than you may expect. Hence, we recommend you choose a mortgage appropriate for your needs and your budget.

There are two types of mortgages with respect to interest payments.

The first option is a Fixed-Rate Mortgage where you will be paying a fixed amount for the entire loan period. No matter how the interest rates in the market fluctuate, your monthly payments stay the same.

The second one is an Adjustable-Rate Mortgage (ARM). The interest rate will be a fixed rate for a specific period of time. Following that, you will make payments that depend on the market interest rates.

Adjustable-rate mortgages are a bit risky for individuals who can’t afford higher payments. The interest rate fluctuations are nigh unpredictable. They can exceed your monthly payments compared to fixed rates in most cases.

Between these two, try to find the one that seems good for your situation. Remember the fact that the introductory period with an ARM may come with lower rates. This may or may not be good as the rates become unpredictable after the introductory period.

Like every other type of loan, mortgages get affected by certain factors. The most common influential factors are credit score, income, down payment, and so on.

Regardless of the interest rate type, check a few things before getting a mortgage. Start with a credit score check, which gives a general idea of rates you can get based on your credit profile.

Having a good credit score always helps the situation while getting a loan. If you have a lower score, try to improve it before getting a mortgage. As discussed, you will be paying your mortgage for a long time. By having a good credit profile, you will get access to lower rates, and it will be helpful. Having a higher income also makes you look like a good customer in the eyes of mortgage lenders.

Pay a higher amount as a down payment and select a lower loan term to get the lowest rates available. Nonetheless, make sure that these won’t affect your financial situation. It is better to pay a bit longer rather than becoming financially uncomfortable.

Find out about various types of mortgages available to you. Try to weigh in all the beneficial aspects and choose the one that’s apt for you.

How to Get the Best Student Loan?

While getting a student loan, students can either opt for a federal loan or a private loan. For a federal loan, students must submit a Free Application for Federal Student Aid (FAFSA).

Individuals can get more than one federal loan if they want. To do so, they must first complete an online loan counseling session. Along with that, loan applicants must sign a promissory note. This note should contain all the terms of loans applied for. When you get more money than what is necessary for your school bills, you can use it for personal purposes.

Some students may fall short of their educational expenses. This can be even after getting a federal loan as well as acquiring help from family members. In such a scenario, a private student loan comes in handy.

While getting a private student loan, there is no necessity for a credit score. Why? Because most individuals won’t be having a credit profile by that time. So, a private student loan requires a co-signer for approval. Find a creditworthy co-signer.

Following that, search for lower rates, fewer fees, and a comfortable repayment period. You may even get some repayment incentives if you inquire. Shop around for the best private student loan rates.

Even when available, try avoiding taking too much amount in the form of a loan. Too much debt becomes a big burden after finishing education. If possible, try to find loan terms where you only have to pay 10% of your estimated monthly income.

How to Get the Best Business Loan?

There can be several reasons why you may want to get a business loan. For instance, you may need new equipment or you may want to start a new business from the scratch. Depending on the applicant’s need, there are different types of business loans available.

You can get up to $50,000 with the microloan program offered by the U.S. Small Business Administration. This is helpful if you need smaller loan amounts for your business. For small to medium loans, you can even apply for equipment loans, business credit cards, and so on.

If you don’t know the exact amount of money necessary, try getting a business line of credit. After issuance, you may withdraw whatever is necessary up to a certain limit. Pay interest for what you withdraw.

Regardless of the business loan type, you must have a higher credit score. This will help you regarding the approval of the loan as well as access to lower rates.

Most lenders require collateral while offering a business loan. Such loans are popular by the name “Secured Business Loans”. This collateral can relate to business or be a personal possession. For example, some lenders might need business equipment or inventory as collateral. But some lenders may ask for personal assets like savings, real estate properties, etc.

It is, however, possible to get an unsecured business loan as well. Yet, secured business loans may offer advantages such as lower rates.

The eligibility for business loans is dependent on some other factors too. For example, annual revenue or time in business may also play a key role in getting lower rates.

Online lenders and microlenders offer lower rates for highly qualified individuals. Especially when the applicant is seeking a loan with a lower amount. Nonetheless, banks offer higher loan amounts ranging up to $5 million. People opting for business lines of credit may get up to $1 million. The actual limits may vary depending on the lender chosen. You can conduct your own research to find favorable terms.

How to Get the Best Debt Consolidation Loan?

The major purpose of a debt consolidation loan is to clear all the existing debt and convert it into a single loan. By doing so, you can avoid worrying about making several payments and concentrate on one.

Combining all the existing loans into single loans also reduces the interest charges. An ideal debt consolidation loan will offer low APRs and flexible repayment terms. You may even be able to avoid prepayment penalties with some lenders. In this way, you can clear your debt earlier than usual with debt consolidation loans.

While getting a debt consolidation loan, you might need to look out for certain aspects. Such crucial aspects include credit score, existing debt, and others.

Yes, it is a very good idea to combine all the debt payments into a single one. But you should also remember about the interest payments to be made. Therefore, it is wise to borrow the amount only deemed necessary.

Search for the lenders offering terms suitable for your needs. The majority of the lenders have a prequalification process. This allows you to check your eligibility.

How do We Pick Secured Loans?

While choosing a secured loan, you may have to go through a lot of information and compare the options. This will eat up a lot of your valuable time. To save you all the unnecessary effort, we provided this list today. Here, you can get all the important information regarding these loans. This makes the process of comparison easy and hassle-free.

While evaluating these loans, we concentrated on a few factors. These factors are taken into consideration while choosing a loan as an ideal option. These include:

  • Interest rates
  • Fees
  • Flexibility of repayment
  • Ability to pre-qualify
  • Credit checks
  • Funding time
  • Processing time
  • Customer service
  • Reporting to credit bureaus

We conducted thorough research before providing these details. Because of that reason, the loan options mentioned in this list are consumer friendly. Adding to that, we’ve only mentioned the lenders having a good reputation. Especially when it comes to secured loans.


Finding a secured loan provider can be a troublesome process. Especially with various options available for borrowers. An ideal loan provider is the one with optimum customer satisfaction.

By choosing the right type of secured loan, you can get the amount needed as per rates favorable to you. Instead of just going ahead with whatever option’s available, shop around. Do so until you find the loan that meets your requirements.

All the information provided in this article is accurate and up to date. Anyhow, you should remember that loan rates or terms & conditions are subject to change. The information may or may not vary by the time you are reading this. You don’t have to worry about outdated information. Why? Because we constantly update the content so that you get the right information.



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