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No Credit? Bad Credit?

The Best Share Secured Loan
for You

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Secure Loans for Bad Credit

Build or Repair Your Credit with a Share Secured Loan

A Share Secured Loan is great for first time borrowers or if you need to repair your credit. You can focus on making affordable monthly payments while funds are secured with deposits in a savings or share certificate account. 

  • Reduced Risk Build credit while securing your loan with funds in your own Savings Account.
  • Rebuild Credit Consider taking out a secure loan if you have bad credit. You'll build a new path to financial wellness.
  • For Ages 18+ Looking for ways to help your young adult build credit? A Share Secured Loan might be just the solution!
  • Low Rates You'll enjoy lower rates with a Share Secured Loan. Apply today to begin building your credit!
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Share Secured Loan Calculator

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Calculate Your Share Secured Loan Payment

Find your perfect payment! Try a few different rates and terms to see what works for your budget and then email the results to yourself.

Maximum term is 4 years. Your actual term and payment will be provided upon acceptance of a Peach State FCU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

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Low Rates for a Secured Loan
Use the rate table below to see what your rate could be at a term that works for you! When you're ready, start your application.

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We're Here to Help
Contact one of our friendly loan specialists to give you guidance and support as you work to build a solid financial future. 

Share Secured Loan Rates

Our Share Secured Loan options offer attractive rates and reduced risk as you continue to earn dividends on your savings to build credit for a future that's bright!

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*APR – Annual Percentage Rate. Rates listed are based on the savings dividend rate plus a margin of 2%. Subject to credit approval. Term of up to 36 months; estimated monthly payment of $28.71 per $1,000.00 borrowed. Rates subject to change without notice and may be higher based on term and/or qualifications. Loan balance cannot exceed share balance. Must qualify for Peach State membership and loan. A $15 loan application fee is charged for processing. Terms and conditions subject to change without notice.

1 The Tier 1 Share Rate as of 5.22.24 is 0.30% APY, resulting in an APR of 2.30% APR.

Share Secured Loan Rates

Loan Term
APR*
Loan Term
Up to 60 Months
APR*
2.00% above Share Rate 1
Effective November 25, 2024

*APR – Annual Percentage Rate. Rates listed are based on the savings dividend rate plus a margin of 2%. Subject to credit approval. Term of up to 36 months; estimated monthly payment of $28.71 per $1,000.00 borrowed. Rates subject to change without notice and may be higher based on term and/or qualifications. Loan balance cannot exceed share balance. Must qualify for Peach State membership and loan. A $15 loan application fee is charged for processing. Terms and conditions subject to change without notice.

1 The Tier 1 Share Rate as of 5.22.24 is 0.30% APY, resulting in an APR of 2.30% APR.

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SHARE SECURED LOANS

Can Be Used For Any Purpose!

If you're about to make a large purchase but don't want to drain your savings, a Share Secured Loan may be the perfect solution! 

  • Great option for borrowers who don't want to withdraw money for a purchase.
  • Share Secured Loans typically have the most attractive interest rates.
  • You'll continue to earn dividends on your savings.
  • Enjoy no pre-payment penalties.
Apply Now
Three Practical Budget Templates
3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

  • Fillable online
  • Calculates in real-time
  • Easy to use and understand

Testimonial

Share Your Story
Appreciate the member service and especially ease of online access to accounts with assistance whenever any problems occur.
 
- Edward M.
 
Branch staff are extremely friendly and very patient when I have questions or concerns.
 
- Adrianne B.
I love the hometown, friendly member service with all the professional business satisfaction!
 
- Cindy G.
 

Frequently Asked Questions

These are a few of the commonly asked questions about Share Secured Loans.
For even more FAQs, check out our Member Knowledge Base.
Do I have to be a member to get a loan at Peach State?
Yes, membership with Peach State is required to qualify for a loan with us.
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What is the minimum credit score to qualify for a loan?
There is no minimum credit score requirement. We offer multiple loan programs that you may qualify for – regardless of your credit score!
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Which credit bureau do you use to pull credit?
It depends on the type of loan you’re applying for. When you apply for a consumer loan, we use the Experian credit report...
Read More
Member Knowledge Base