Share Secured Personal LOans

Strengthen Your Credit the Easy Way with Sandia Area Share Secured Loans

It’s tough to get hired without experience, but how do you gain experience without having a job? The same dilemma happens when you're trying to build credit: most lenders want to review your credit history before offering you a loan. Fortunately, share secured loans can help break this cycle.

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With a Share Secured Loan, you can:

Borrow up to 100% of your savings.

Enjoy competitive rates.

Build credit history with quick approval and flexible repayment options.

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With a share secured loan, you can borrow money using your Sandia Area savings account as collateral. This allows you to secure a lower interest rate than you'd typically find with other loans for those with limited credit, while also helping you build your credit history.

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Curious about the differences between secured and unsecured loans? Understanding how each type works can help you make smarter decisions when borrowing. Check out our latest blog to learn more about how these loans can impact your financial choices and see how a secured loan could be the right move for your next big purchase!

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For Share Secured Loans, the annual percentage rate will be the current share dividend rate (Index) in effect on deposits of at least $5,000 plus 3.0% (margin). The rate is subject to change monthly on the 1st day of each month to reflect any change to the index.

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