Share & Certificate Secured Loans
Borrow against your savings or certificate while continuing to earn dividends. Enjoy lower rates and flexible repayment terms.
Apply Now Calculate a PaymentNeed access to funds without withdrawing your savings?
A Share or Certificate Secured Loan lets you borrow using your account balance as collateral, often at a lower interest rate than unsecured loans.
Lower Interest Rates
Because your loan is secured by funds already on deposit, you'll often qualify for a lower interest rate than many unsecured loan options.
Keep Savings Working
Your savings or share certificate continues earning dividends while serving as collateral for your loan.
Strengthen Credit
Making on time payments can help establish or improve your credit history while borrowing responsibly.
Share Secured Loan
Use the funds in your regular share savings account as collateral for a low-rate loan. These loans are perfect for: building credit, emergency expenses, small purchases, and everyday borrowing.
Certificate Secured Loan
Borrow against the value of your share certificate while allowing it to continue earning dividends until maturity. Perfect for: Larger purchases, preserving your investment, avoiding early withdrawal penalties, and short-term financing.
✔ Why Choose a Secured Loan?
- Lower interest rates
- Continue earning dividends
- No need to withdraw savings
- Improve your credit history
- Flexible repayment terms
Frequently Asked Questions
How does a share secured loan work?
Funds in your savings account are used as collateral for the loan. You continue earning dividends on those funds while making regular loan payments.
What's the difference between a Share Secured Loan and a Certificate Secured Loan?
A Share Secured Loan uses funds in your regular savings account as collateral. A Certificate Secured Loan uses the value of your share certificate, allowing you to borrow without cashing it in early.
Will my savings still earn dividends?
Yes. Your secured funds remain on deposit and continue earning dividends according to the terms of your account or share certificate.
Is this a good way to build credit?
Yes. Making your payments on time can help establish or strengthen your credit history while allowing you to borrow at a competitive rate.
Related Resources
Ready to Borrow Without Using Your Savings?
Take advantage of the value you've already built. Our Share & Certificate Secured Loans offer competitive rates and flexible repayment options designed to help you reach your financial goals.
Apply for a Loan
