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Wellby Financial

Secured Personal Loan

Build credit while saving money with lower interest rates.

an open safe with money, gold coins, pressure gauge showing green, and a percent sign next to down arrow indicating lower rates thanks to a secured loan
a piggy bank with a gauge showing green above thanks to lower interest rates and the money you can save by using your collateral for a secured personal loan from Wellby

Let Your Collateral Work for You

By using your savings or certificate account as collateral, approval is easy. With a secured loan from Wellby, you can build your credit and have the money you need when you need it.

Your Savings Secure Your Dreams

A secured loan from Wellby can be used for any purpose and help you achieve your financial goals or dreams.

  • Borrow 100% of your savings account or 90% of your certificate value. Funds are released as you pay down the loan.
  • You'll continue to earn dividends on your collateral account.
  • You'll pay a lower interest rate than an unsecured loan.
  • Making on-time payments will help establish, or rebuild, your credit. 

Easy Online Application

With our convenient online application, you can apply at home or on-the-go at your convenience.

a laptop showing the easy online application for a secured loan from Wellby
a monthly calendar with two takes marked and a percent sign surrounded by rotating arrows

The Funds You Need, When You Need Them

With flexible loan terms and reduced interest rates, you can cover life’s expenses and build your credit, so that nothing is standing in the way of your goals.

Secure Your Loan in 3 Simple Steps

Step 1

Fill out our easy online application.


Step 2

We’ll be in touch to let you know if your application is pre-approved.

Step 3

Receive your funds to cover what you need to!

Personal Loan

Debt Consolidation Loan

Home Improvement Loan

Personal Line of Credit

Certificate Secured Loan

Savings Secured Loan


Personal Loan

TermAnnual Percentage Rate (APR)Loan Amount
Up to 48 Monthsas low as 7.49%Up to $40,000
Up to 60 monthsas low as 7.99%Up to $40,000
Up to 72 monthsas low as 8.49%Up to $40,000
Up to 84 monthsas low as 9.49%Up to $40,000
Up to 120 monthsas low as 11.49%Up to $40,000

Speak to a Lending Specialist


Our loan options are designed to fit your goals and budget. Schedule an appointment today to speak to a lending specialist about your financial needs.


a male lending specialist team member ready to assist you over the phone with your financial goals

Ready to Get Started?

Whether you have a limited credit history or you're rebuilding a low credit score, we’ve got you covered with our personalized secured loan options.

Secured Loan FAQs

Learn more about our secured loan options and why they may be the right choice for you!

Learn More

Common Questions

How do I apply for a secured loan from Wellby?
What is the difference between a secured and unsecured loan?
How much can I borrow with a secured loan from Wellby?