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.
Overview
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.
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Features
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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.
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Low Interest Rates
Getting a loan is more affordable than ever with competitive interest rates plus the dividend rate on your savings account.
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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.
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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.
Rates
See today's ratesAs low as
APR1Loan Payment Calculator
Monthly Payment
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.
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.
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Complete an Application
It takes only minutes to complete the online application.
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Get Approved
We'll crunch the numbers and let you know if you're approved.
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Use the Funds
Make the purchases you need using the funds.
Have a question?
We’re happy to help you every step of the way!
Chat with us
Start live chatChat live with a team member who can quickly help answer your question.
Meet with us
Schedule an appointmentSchedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.
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.
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