Important Disclosures. Please Read Carefully. This service is personal loan miccu available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where WhiteRockLoans. com does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps.
If you are connected to a tribal lender, please understand that the tribal lenders rates and fees may be higher than state-licensed lenders.
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Where to get a secured personal loan. Of the nations five largest banks by deposits, only Wells Fargo allows those with savings accounts or CDs to use them as collateral to qualify for a loan or get a lower interest rate. The bank also offers CD-secured lines of credit that are different personal loan miccu loans. Borrowers cannot touch the money in their account for the duration of the loan.
The chances of qualifying for a loan still depend on a borrowers credit score, income and other debts, but pledging an account increases the likelihood of qualification significantly, says Jason Vasquez, a spokesman for Wells Fargo. APR: 5.