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Share Secured Loan

Choose A Certificate Secured Loan

Discover the benefits of a certificate secured loan. Your loan balance is backed by your savings account instead of your credit score. That way, you can get a loan even if you have low or no credit.



It can be discouraging when you get constantly turned down for a loan because of your credit score. With a share secured loan from Raiz, the loan is backed by your existing savings account balance instead of your credit score. No matter how low your credit score is, you can still get access to the funds you need.


No Annual Fee

Don't worry about paying fees on top of your loan repayment. Save your money and focus on paying off your loan.

Low Interest Rates

Getting a loan is more affordable than ever with competitive interest rates plus the dividend rate on your savings account.

Fixed Monthly Payments

Know exactly how much you'll have to pay each month with fixed payments that never change over the lifetime of your loan.

Secured With Your Account Balance

Instead of securing the loan based on your credit score, Share secured loans are backed by the money in your savings account so it's easier to qualify.

As low as


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Monthly Payment

Term (Months)
Fixed Monthly Payments

Fixed Monthly Payments with Your Certificate Secured Loan

There aren't any questions when it comes to what your monthly payment will look like. With a share secured loan, you can enjoy fixed monthly payments that won't change over the life of the loan to make it easy to plan and budget for the future.

Low Interest Rates

Keep More Money in Your Pocket with Competitive Interest Rates

Keep your monthly payments nice and low with competitive interest rates on a share secured loan. You'll only need to pay as low as 3.75% APR1 plus the dividend rate on your savings account.

Why Choose Raiz?

Our financial experts are some of the best, but really our motivation is you. Here is what we are doing today to reach a brighter tomorrow.


We work hard to make your money work for you. Reap the benefits of our innovative products and services that provide you with high dividend checking accounts, low interest on loans, and great rates on savings and retirement accounts.


Your money never sleeps, and neither do we. Raiz members have 24/7 access to digital banking and an online support chat available to help with all your banking needs.


We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life.

Start your financial journey today.

Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.

How It Works

Ready to get your very own share secured loan? Get the funds you need in three easy steps:

  • 1

    Complete an Application

    It takes only minutes to complete the online application.

  • 2

    Get Approved

    We'll crunch the numbers and let you know if you're approved.

  • 3

    Use the Funds

    Make the purchases you need using the funds.

Apply online now

Have a question?

We’re happy to help you every step of the way!

Chat with us

Start live chat

Chat live with a team member who can quickly help answer your question.

Call us


Give us a call directly; we’re here to help you every step of the way.

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Schedule an appointment

Schedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.

Share Secured Loans

Forget Your Credit Score, Get the Funds You Need to Make Purchases

Don't let a low or nonexistent credit score stop you from getting a loan. Apply for a certificate secured loan that's backed by your savings account balance instead of your credit score to get the funds you need.

  • 1

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