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Loans that are securely in your favor.

Carolina Trust’s Secured Loan options let you borrow against what you already have on deposit, making them a safe option if you’re looking to repair or build your credit. Plus, these loans have some of the lowest rates available.

Share Secured

Borrow against, or “pledge”, what you have in your Share Savings Account to finance what you need. Just like a regular personal loan, you can use a Share Secured loan for anything. As you repay your loan, the money in your Share Savings becomes available to you again. The best part, your Share Savings account continues to earn competitive dividends during your term!

  • Borrow up to 100% of what’s on deposit in your Share Savings Account
  • Low variable rates as low as 4.00% Annual Percentage Rate*
  • Up to a 5 year term

Share Certificate Secured

This type of loan lets you borrow what’s in a Carolina Trust Share Certificate — much like a Share Secured loan. You can use the money for anything you choose, and it comes with a fixed, low APR. And, just like a Share Secured Loan, your pledged Certificate will continue to earn dividends.

    • Borrow up to 100% of what’s on deposit in your Share Certificate
    • Low, fixed rates as low as 4.00% Annual Percentage Rate*
    • Flexible terms based on the term of your certificate pledged

*Approved Annual Percentage Rate subject to pledged account rate. See Rates for more details.

View Rates

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