Put up cash, savings, a vehicle, or another qualifying asset as collateral — and get lower rates and higher approval odds than an unsecured loan. Real humans review every application. No automatic denials.
6.5%
Rates starting at
$1K–$30K
Loan amounts
24 months
Fixed term
Pay $1,064 interest — gone forever
Deposit $900 — returned after 24 months
$0 in interest to you
*Example based on a $10,000 loan, Cash/Savings-Secured, at Cairn Credit’s published deposit rate. Other collateral types, terms, fees, and eligibility requirements may apply.
$1,000–$30,000 · 24-month fixed term · Full collateral returned
Cash/Savings-Secured loans are live today. Vehicle, CD, and other asset types are on the way.
Secure your loan with a cash or savings deposit. Our most established collateral type, with published, tiered rates and full deposit return at term completion.
Published rates from 6.5%–13%, tied to loan amount
Use the equity in your car, truck, or motorcycle as collateral. Vehicle title verification is launching soon.
May qualify for rates comparable to cash-secured tiers, subject to appraisal
Borrow against an existing certificate of deposit without breaking your CD term.
May qualify for rates comparable to cash-secured tiers, subject to appraisal
Equipment, real estate, and other qualifying assets, reviewed case by case.
May qualify for rates comparable to cash-secured tiers, subject to appraisal
See how a secured personal loan compares.
| Secured Personal Loan | Unsecured Loan | |
|---|---|---|
| Approval odds | Higher — backed by your collateral | Lower, more restrictive |
| Rate | Cash/Savings: 6.5%–13% published tiers | Typically higher than secured options |
| Collateral required | Cash, savings, vehicle, CD, or other asset | None |
| Credit building | Every on-time payment reported | Every on-time payment reported |
| At term completion | Full collateral returned to you | N/A |
Rates and terms shown for Cash/Savings-Secured loans are published estimates and vary by eligibility review. Rates for other collateral types are not yet published.
From pre-qualification to funding, a clear and predictable path.
Step 1
Tell us your loan amount and collateral type. See your estimated rate in minutes — no impact to your credit score.
Step 2
A real person confirms your collateral — cash deposit, vehicle, CD, or other asset. No algorithms, no automatic denials.
Step 3
Once verified, funds are released to you. Most applicants hear back within 24–48 hours.
Collateral Type
Loan Amount
$10,000
Deposit Rate
9.0%
Security Deposit
$900
Monthly Payment
$417
Total Repayment
$10,000
Deposit Returned
$900 after 24mo
Borrow $30,000 for just a $1,950 deposit — returned in full after 24 months.
Rate Tiers
$1K
13.0%
$2.5K
11.5%
$5K
10.0%
$10K
9.0%
$15K
8.0%
$20K
7.5%
$25K
7.0%
$30K
6.5%
Estimates only. Actual deposit rate and terms vary by eligibility review.
Every layer of Cairn Credit is built to keep your money, assets, and data safe.
Every page and transaction is protected with bank-level encryption.
We confirm who you are before any collateral or credit is issued.
Cash deposits are held at partner banks that carry FDIC insurance.
Continuous monitoring flags unusual activity in real time.
Your full APR is disclosed before you sign — no surprise rate changes.
What you see in your offer is what you pay. No origination surprises.
Cairn Credit does not guarantee approval. All loans are subject to eligibility review and collateral verification. Rates, terms, and collateral requirements vary and are not available in all states.
“I had no credit history and banks kept saying no. Cairn Credit's cash-secured loan made perfect sense. Six months later my score jumped 67 points.”
Marcus T.
Atlanta, GA
Tell us a little about what you need. It takes about two minutes.