PrimeRates provides access to personalized loan offers through our simple and quick pre-qualification application. Once you’re pre-qualified, you can select the best offer for you and finalize the loan application with the lender.
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Simple pre-qual application in less than 1 minute.
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Choose the offer that best fits your needs.
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Finalize your loan offer, get approved, and receive funds.
Secured personal loans require collateral — such as a savings account, vehicle, or other asset — which reduces the lender’s risk and typically results in lower interest rates. These loans are particularly useful for borrowers with lower credit scores who want better terms.
Compare the best secured personal loan options available.
These lenders offer secured personal loan options with competitive rates.
| Lender | APR range | Loan amounts | Loan terms |
| SoFi | 7.99% – 29.99% | $5,000 – $100,000 | 24 to 84 months |
| Upgrade | 6.94% – 35.97% | $1,000 – $50,000 | 24 to 84 months |
| Best Egg | 8.99% – 35.99% | $2,000 – $50,000 | 36 to 60 months |
| Marcus | 6.99% – 24.99% | $3,500 – $40,000 | 36 to 72 months |
| Prosper | 6.99% – 35.99% | $2,000 – $50,000 | 24 to 60 months |
| LendingPoint | 7.99% – 35.99% | $2,000 – $36,500 | 24 to 72 months |
Common collateral includes savings accounts, CDs, vehicles, and in some cases home equity. The type of collateral accepted varies by lender.
Secured loans typically offer rates 1–5% lower than unsecured loans from the same lender, depending on the value of your collateral and your credit profile.
The lender can seize the collateral you pledged. This is why it’s important to only borrow what you can afford to repay.
OneMain Financial offers both secured and unsecured loans with no published minimum credit score. With 1,500+ branches, in-person service is available.
Upgrade accepts credit scores as low as 580 and offers loans from $1,000 to $50,000. Reports to all three credit bureaus, helping build credit with on-time payments. Funds typically deposited within one business day.
Best Egg has funded over $24 billion in loans since 2014. They offer a simple online application with funding as fast as one business day. Origination fees range from 0.99% to 8.99%.
SoFi offers some of the largest personal loan amounts available, up to $100,000. SoFi charges no origination fees, no prepayment penalties, and no late fees. Members get access to financial planning, career coaching, and unemployment protection that pauses payments if you lose your job.
Prosper is a peer-to-peer lending marketplace connecting borrowers with individual investors. Offers loans from $2,000 to $50,000 with terms of 24 to 60 months.
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