Unlock Your Financial Potential with Our Secured Loans – Your Future, Your Security!

What is a secured loan?

A secured loan is a financial product designed to provide borrowers with access to funds while offering a layer of security for both the lender and the borrower. Unlike unsecured loans, which rely solely on a borrower’s creditworthiness, secured loans require collateral, such as a home, car, or other valuable assets, to back the loan. This collateral acts as a guarantee that the borrower will repay the loan as agreed. If the borrower defaults on the loan, the lender may take possession of the collateral and sell it to recover their losses. It often come with lower interest rates and more favorable terms, making them an attractive option for individuals looking to finance major expenses like Home renovations, debt relief, or even opening a new business. With a secured loan, borrowers can access the capital they need with added peace of mind, knowing that their assets are safeguarded throughout the repayment process.

Why use a Secured loan?

Secured Loan Benefits And Features

instant loan

Simplified eligibility and a faster process


Diverse assets are accepted as security


Improves financial strength

Lower borrowing

Reduced loan expenses

Asset Required as Collateral

The loan can be up to 85% of the value of the property

Lower interest

 In comparison to unsecured loans, secured loans often have lower interest rate

Higher loan

 Lenders willingly provide large loan amounts as collateral to reduce their risk exposure


Lenders examine the borrower’s credit history, financial statements, etc. to determine eligibility and loan terms

Eligibility and Documents required for Secured Loan

Note: This is an indicative list that may vary depending on your unique loan application.

Advantages of Secured Loan

Disadvantages of Secured Loan

Frequently Asked Questions

Financial institutions offer different interest rates depending on the applicant's credit history, ability to repay the loan, cash flow, business needs, etc.

Land, residential or commercial property, equipment, stock, raw materials, machinery, and gold are some examples of collateral.

Low CIBIL  makes it challenging to obtain a loan, although some lenders may provide secured loans that demand collateral, improving the possibility of approval despite low CIBIL.

Various banks and NBFCs have different interest rates for secured business loans. For Secured business loans, Secure Finance offers an interest rate starting at 11.90% p.a.

70% to 90% of the value of the collateral is usually offered as a loan by banks. That may change based on additional eligibility criteria and the particular conditions stated in the loan collateral.

Many banks and NBFCs limit secured business loans to a maximum 10-year payback period. Repayment terms of 12 years are allowed through Secure Finance.

Yes, you can use a secured business loan to start a new business. However, because you won't have a track record of financial performance, lenders may require more collateral or charge a higher interest rate to offset the risk

The EMI calculator is the most effective tool for planning for a business loan. This online tool gives you an advantage when making loan planning decisions that help accurately calculate Business Loan EMI amounts.

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