What is a Secured Loan?
A secured loan will provide you with a lump sum of cash to use for things such as home improvements, debt consolidation or a new car – it’s yours to use as you want to.
Secured loans are also often known as homeowner loans. They can be cheaper than unsecured loans because they’re less risky for lenders.
Why choose a secured loan?

Rates can be low
Interest rates can be relatively low and often cheaper than other borrowing methods

Longer repayment terms
Secured loans can last for ten years or longer. A long repayment period allows you to spread out the monthly payments.

Your credit history considered
If your credit rating is less than perfect, you may still be able to borrow because a secured loan is backed by an asset.

Can help improve your credit rating
Can help you improve credit scores by maintaining regular payments.
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Types of Secured Loan
Frequently asked questions
If you fail to make the repayments, your home, or any other asset you’ve used as collateral, can be at risk of repossession.