Secured Credit
Secured-credit terms that explain deposits, collateral support, and products designed to reduce lender risk in consumer borrowing.
Secured credit pages explain credit products backed by a deposit or other collateral support. This section matters because secured products often appear when a borrower is building credit, rebuilding it, or trying to qualify with weaker risk signals.
Use these pages to understand how security changes the lender’s risk without making the account cost-free or risk-free for the borrower.
Start Here
In this section
- Secured Credit Card
A secured credit card is a card account backed by a security deposit.
- Collateral
Collateral is property or value pledged to support a credit obligation and reduce lender risk.
- Security Deposit
A security deposit is money the borrower provides to support a secured credit product.
- Secured Loan
A secured loan is a loan backed by collateral that gives the lender a stronger claim if the borrower does not repay.
- Credit-Builder Loan
A credit-builder loan is a small loan designed mainly to help a borrower build payment history and credit file depth.