Secured Loans

Scient’s Secured Loans allow you to borrow against your Share Savings Account or Share Certificate to receive a low-rate loan and build credit. Best of all, you will still earn interest on the funds you borrow against!

Share Savings Secured Share Certificate Secured
  • Borrow up to the balance
    available in your Savings Accounts
  • Payments on loan are made monthly. As the loan amount reduces, funds become available for use in your Share Savings Account
  • Maximum term is 60 months
  • Set rate of 5%
  • Borrow up to the balance in your Share Certificate
  • Payments are made monthly so the certificate is at full value when it matures
  • Maximum term is the maturity date of the Share Certificate
  • Set rate of 2% above the interest rate earned on the certificate.
 TermAnnual Percentage Rate (APR)How to apply
Share-Secured LoanVaries5.00% APR*Apply Now
Certificate-Secured LoanVaries2.00% APR* over Certificate rateApply Now
*APR = Annual Percentage Rate. Rates subject to change without notice.

Contact Lending Scient Bullet 877 860 6928 x1904 Scient Bullet Find a Scient service center

You and Your Credit
Knowing where your credit stands is a great first step when applying for any loan. Request your free annual credit report using the link below. Looking to improve your credit or need some financial guidance? Check out our resources by clicking on Financial Wellness.

Free Credit Report       Financial Wellness