Savings-Secured Loans

Home Borrow Personal Loans Savings-Secured Loans

Build your credit—without touching your savings.

We know building credit can feel overwhelming. A Savings-Secured Loan uses the money you already have in your savings account to help you establish, rebuild, or strengthen your credit score. Your savings stay safely in place while you borrow against them at a low, variable rate.

Why this loan helps build credit

  • Creates a positive payment history
  • Helps raise your credit score over time
  • Keeps your savings intact while you borrow
  • Low-risk way to improve your financial profile

How it works:

  • Use at least $1,000 in your savings to secure the loan
  • Keep your savings untouched
  • Make simple monthly payments
  • Build positive payment history and grow your credit over time

Gain financial confidence

Savings-Secured Loan features

It's one of the most reliable ways to safely increase your credit score and gain financial confidence.

  • Monthly payment: $14.38 per $1,000 borrowed
  • Variable rate
  • Terms up to 7 years
  • Minimum loan: $1,000
  • Maximum loan: Up to 100% of savings, minus $50
Savings-Secured Loans Interest Rate
Savings-Secured Loans
5.51% APR

Apply now

Ready to get started? Start your simple application.

Apply now

Your financial safeguard against the unexpected

Life can take some unexpected turns. That’s why there’s Debt Protection with Life Plus.

Financial Protection for the unexpected – protect the ones that matter most. Debt Protection with Life Plus could help your family’s financial situation against a variety of covered life events:

  • Involuntary unemployment
  • Disability
  • Death

For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.

  • Accidental dismemberment
  • Terminal illness
  • Hospitalization or family medical leave
  • Death of a non-protected dependent

Things to know about Debt Protection with Life Plus

  • It’s easy: Simple to apply for.
  • It’s budget-friendly: Comfortably fits into your monthly payment.
  • It puts you at ease: Rest easy, knowing you’re taken care of in so many problem situations.

Take an important step toward financial security.
Ask us about Debt Protection with Life Plus today.

Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply.

Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

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