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Rates and terms for these lenders are being verified against our data standard. Each joins the comparison above as its figures clear. Until then we show no numbers rather than unverified ones.
| Term | Monthly payment | Total interest |
|---|---|---|
| 2 years | $521 | $2,509 |
| 3 years | $384 | $3,840 |
| 5 years | $279 | $6,739 |
Real estate is the most common and gives the best rates. Vehicles, business equipment, and in some cases investment accounts are also accepted. The asset must be valuable, identifiable, and sellable; sentimental value counts for nothing in underwriting.
A percentage of appraised value, and the percentage depends on how quickly the asset can be sold. Real estate typically supports up to 80% combined loan-to-value, vehicles considerably less, equipment less again because resale markets are thinner.
The lender can seize and sell the asset to recover the balance, and if the sale falls short you may still owe the difference. This is the core trade of secured borrowing: a lower rate in exchange for real consequences.
