SBA loans. Because you pledge your FNB Savings Account or Certificate of Deposit as collateral for the loan 2, we can generally offer higher limits and a lower rate than other forms of borrowing. In addition to the option of using your home for an equity loan, traditional banks often accept vehicles as collateral. Named and marketed as Premier loans, these come at a fixed interest rate, which can be as low as 8.99%. You may also be able to use an asset such as your vehicle as collateral, depending on what’s offered at your local branch. Traditional banks like Wells Fargo offer secured loans. However, they also offer secured personal loans that are available even with lower scores. Wells Fargo: Good for secured personal loans . Terms are typically three to five years, and interest rates may be fixed or variable. Most banks offer simple term loans to improve cash flow or cover a large expense. The advantages of getting a secured loan. You may be able to qualify for a large loan amount, particularly with a secured personal loan. US Bank offers unsecured personal loans and lines, but they are available exclusively for existing customers. Key Features: Secured with an FNB Savings Account or Certificate of Deposit 2 Short Terms . Bank loans provide high borrowing amounts and low rates for good-credit borrowers. This is why we’re here to offer you a much more convenient way to get a loan that gives you a good chance of approval. Wells Fargo's secured loans require collateral in the form of money in a Wells Fargo savings account or CD. Remember that you must have the title to the car to qualify, although some banks will accept a relative's titled vehicle provided that individual co-signs on the loan. The borrowing amount can range between $3,000 and $25,000, subject to credit approval. Bank of America has over 5,000 branches around the U.S. which makes them a great option for your home equity loan. One of the best loans that offers a good chance of approval are secure loans. The bank offers three-year loan terms which can allow you to save money over longer-term offers. With this type of loan, you only pay interest on the amount you use. Some banks offer cash-secured loans for up to $100,000, but the maximum amount depends on your bank or credit union. Most cash-secured loans come with relatively short repayment terms, such as ten years or less. With great customer service and clear disclosure of all fees, it is a company you can feel comfortable doing business with. The exact loan options will depend on the bank, but many offer a combination of these: Term loans. Find loans and lines of credit that fit your needs at U.S. Bank. US Bank Personal Loans. As noted above, many require you to have an account with the bank before taking advantage of a personal loan… Most banks that offer personal loans require a credit score of at least 660. These loans can best help you through tough times while improving your credit scores. 3. It’s always worthwhile to get in touch with your credit union when seeking a loan product. Why you may want to consider Wells Fargo: Like Chase, Wells Fargo has bank branches across the U.S.But unlike Chase, Wells Fargo offers several personal loan options, including unsecured and secured loans. While many banks offer personal loans, there are some limitations. Learn more about personal loans from banks and compare financing options. Many credit unions, such as the national ones listed above, offer savings account loans and CD-secured loans. Whether you're looking to purchase a home, refinance a car or pay for unexpected expenses, U.S. Bank offers loans and lines of credit with competitive rates. , you only pay interest on the bank offers unsecured personal loans a... Loans provide high borrowing amounts and low rates for good-credit borrowers and low rates for good-credit borrowers banks. 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