Certificate Secured Loan

A smart way to meet your financial needs.

Borrow money at a very low rate and help with establishing your credit, all while keeping your savings intact.

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Empower your financial goals.

Borrow money while keeping your savings intact with a Certificate-Secured Loan.

  • Versatile Use

    Whether it’s for debt consolidation, home improvements, or any other personal need, our Certificate-Secured Loan adapts to your financial plans.

  • Credit Building Made Easy

    Use your savings as collateral to secure a loan or line of credit, helping you rebuild or establish a healthy credit score.

  • No Hidden Costs

    Enjoy the transparency of no application fees or closing costs, making the borrowing process straightforward and cost-effective.

  • Your Dividends Keep Growing

    Your savings continue to earn dividends throughout the life of your loan, maximizing your financial benefits.

  • Accessibility to Savings

    Once your loan is fully repaid, your savings are fully available to you again, maintaining your financial flexibility.

Frequently asked questions about our Certificate Secured Loan.

Your certificate will be used as collateral for a loan for the amount you are borrowing while your certificate continues to earn dividends.
You can use a Certificate-Secured Loan when you need quick access to cash or for any emergency or personal reasons.
No. There are no fees associated with a Certificate-Secured Loan.
Yes. When you borrow money using your certificate, you will still continue to earn dividends.
A Certificate-Secured Loan may help build your credit by reporting your on-time payments to the credit agencies.
When you pay off your Certificate-Secured Loan, your certificate balance is no longer held as collateral for a loan. However, the current certificate terms will still be in effect until the certificate's maturity date.
Yes. You can pay off a Certificate-Secured Loan early and with no prepayment penalty fees.