{"id":121815,"date":"2017-07-17T17:48:38","date_gmt":"2017-07-18T00:48:38","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=121815"},"modified":"2026-02-19T05:48:43","modified_gmt":"2026-02-19T05:48:43","slug":"collateral-used-for-loans","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/collateral-used-for-loans","title":{"rendered":"What do lenders accept as collateral for loans?"},"content":{"rendered":"<p>Loan collateral is when a borrower guarantees repayment of a loan by offering up an asset or property as security. So the collateral can be claimed by the lender if the borrower fails to pay back the loan as agreed.<\/p><p>By securing a loan, you\u2019re reducing <em>most<\/em> of the risk assumed by the lender. When you\u2019re struggling to find a loan with the terms you need (say, not as much as you need, or not at a rate you\u2019re comfortable with), then collateral could an option to explore. Provided you\u2019re OK with the idea of losing that collateral if something goes wrong.<\/p><h3>When would I consider putting up collateral?<\/h3><p>You might want to consider backing your loan with collateral in the following situations:<\/p><ul><li><strong>You need to borrow a lot of money.<\/strong> Banks typically want security for anything over about \u00a320,000, but that figure will vary from person to person\u2026 If you\u2019ve never borrowed money before, for example, it\u2019ll be much much lower.<\/li><li><strong><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/bad-credit-loans\">You don\u2019t have good credit<\/a>, and so are struggling to get the loan you want.<\/strong> For better of worse, from a lender\u2019s point of view, your credit record is one of the best ways to gauge the likelihood you\u2019ll repay the loan you\u2019re asking for.<\/li><li><strong>Your income is hard to prove, and so are struggling to get the loan you want.<\/strong> For example if your business is a one-person show, you might have trouble proving you have a steady income to a lender.<\/li><li><strong>You already have a lot of debt (and perhaps want to restructure it).<\/strong> You\u2019ll have trouble finding any personal loan with a debt-to-income ratio (DTI) above 43%. But even if it\u2019s just under that number, you might not be able to qualify for unsecured financing.<\/li><li><strong>You own a valuable asset (or assets), and would like to free-up funds without selling it.<\/strong> Your collateral is key to a secured loan. Owning a home, a car \u2014 without any debt \u2014 makes you eligible for larger loan amounts.<\/li><\/ul><h4>Secured loans: next steps<\/h4><p>To explore whether the equity in your home could give you access to larger loans or better rates, you may wish to speak to an expert and get personalised quotes, or just get a sense of the products available generally on the secured loans market. <\/p><div class=\"u-grid\">\n<div class=\"u-grid__col u-1\/1 u-1\/2@s\">\n<a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/personal-loans\/secured-loan-finder-powered-by-loans-warehouse-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Get%2Bpersonalised%2Bquotes%22%2C%22site%22%3A%22UKFPL%22%2C%22class%22%3A%22luna-button%2Bluna-button--primary%2Bluna-button--large%2Bluna-button--fluid%22%2C%22style%22%3A%22border-radius%253A%2B22px%22%2C%22offer_id%22%3A%2224814%22%2C%22niche_code%22%3A%22UKFPL%22%2C%22product_id%22%3A%225e794d89-1ae4-4cce-902a-50f6f8138ce9%22%2C%22product_name%22%3A%22Secured%2BLoan%2BFinder%2Bpowered%2Bby%2BLoans%2BWarehouse%22%2C%22provider_id%22%3A%229013df25-9c60-4805-89c4-66f0a3d013de%22%2C%22provider_name%22%3A%22Loans%2BWarehouse%22%2C%22post_id%22%3A%22121815%22%2C%22post_path%22%3A%22personal-loans%252Fcollateral-used-for-loans%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A530729%2C%22name%22%3A%22ukfpl_sec_next_steps%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--primary luna-button--large luna-button--fluid\" style=\"border-radius: 22px\">Get personalised quotes<\/a>\n<\/div>\n<div class=\"u-grid__col u-1\/1 u-1\/2@s\">\n<a href=\"https:\/\/www.finder.com\/uk\/secured-loans\/secured-loan-calculator\" class=\"luna-button luna-button--primary luna-button--ghost luna-button--large luna-button--fluid\" style=\"border-radius: 22px\">Market rates calculator<\/a>\n<\/div>\n<\/div>\n\n<div class=\"text-center text-small fin-text-grey\">We compare lenders including:<\/div>\n<div class=\"text-center has-margin-bottom\">\r\n<div class=\"has-padding-bottom-medium\" style=\"margin:auto\">\r\n\r\n\r\n\r\n\r\n\r\n<div style=\"width: 12%; min-width: 111px; display:inline-block;\">\r\n<div style=\"padding: 1.5em 1.25em 0em 1.25em\">\r\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5dcad9394f8b0.png\" alt=\"Masthaven Bank\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5dcad9394f8b0.png?fit=180 180w, 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style=\"padding: 1.5em 1.25em 0em 1.25em\">\r\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6214b37dd0a86.png\" alt=\"Pepper Money\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6214b37dd0a86.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6214b37dd0a86.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6214b37dd0a86.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6214b37dd0a86.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6214b37dd0a86.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div style=\"width: 12%; min-width: 111px; display:inline-block;\">\r\n<div style=\"padding: 1.5em 1.25em 0em 1.25em\">\r\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5dcb27273408f.png\" alt=\"Norton\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5dcb27273408f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5dcb27273408f.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5dcb27273408f.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5dcb27273408f.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5dcb27273408f.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" 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r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<\/div>\r\n<\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it.<\/div><\/article><h3>Why do some loans require collateral?<\/h3><p>Simply because it reduces the risk to the lender. Lenders specialising in business loans typically want collateral of some kind to minimise their risk of taking you on as a borrower.<\/p><p>If your small business is new or hasn\u2019t yet found its footing, you may not have the revenue to assure a lender that you\u2019re able to keep up with potential payments. Promising an asset or property that\u2019s worth the cost of the loan cuts that risk down.<\/p><p>The same principle applies to complex loans like those for cars, homes or even large personal purchases. All such loans can require collateral to ensure some form of repayment. Sometimes the collateral is the car, home or item you\u2019re buying with the loan.<\/p><h3>What types of collateral can I use on a loan?<\/h3><p>While you could technically use any valuable asset as collateral against a secured loan, lenders will generally only accept the equity you own in your house as security.<\/p><p>However, you may also be able to use a car, or the equity you have in another property, as collateral. If you\u2019re planning on getting a loan to purchase an expensive asset, the lender may request that the item itself is used as security, in order to reduce the risk they\u2019re taking on by giving you a loan.  <\/p><h4>Collateral accepted by loan type<\/h4><p>Here are non-exhaustive lists of the collateral types typically accepted for personal and business loans.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h5><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\" title=\"Compare and apply for a personal loan\">Personal loan<\/a><\/h5><ul><li>Your home (if you don\u2019t already have a mortgage)<\/li><li>The equity you have so far in you home (if you <em>do<\/em> have a mortgage)<\/li><li>Land<\/li><li>A vehicle you\u2019re purchasing<\/li><li>A vehicle you already own<\/li><li>Savings<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/share-trading\" title=\"Compare online share trading accounts\">Shares or other investments<\/a><\/li><li>Valuables such as fine art, jewellery or collectibles<\/li><li>Near-future paychecks (for example a salary advance)<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h5><a href=\"https:\/\/www.finder.com\/uk\/business-loans\" title=\"Business loans explained\">Business loan<\/a><\/h5><ul><li>Buildings\/premises (if you don\u2019t already have a commercial mortgage)<\/li><li>The equity you have so far in buildings\/premises (if you <em>do<\/em> have a commercial mortgage)<\/li><li>Machinery or specialised equipment<\/li><li>Vehicles<\/li><li>Outstanding invoices<\/li><li>Savings<\/li><li>Investments<\/li><\/ul><\/div><\/div><h3>Determining the value of your assets<\/h3><p>Lenders typically offer you less money than the value of the asset you\u2019re putting up as collateral \u2014 usually between 50% and 90% \u2014 though it can be even lower depending on the lender and the type of asset you\u2019re using.<\/p><p>A more \u201cliquid\u201d asset is preferrable, i.e. the sort of thing which relatively-frequently and relatively-easily changes hands for a relatively-predictable price. Got a huge, one-off sculpture by a lesser-known artist? It might not be ideal collateral!<\/p><p>As a more realistic example, if you\u2019re using an investment portfolio as your collateral, then because of the volatility of the investment, a lender might only offer you 50% of the value of the investments, just in case they lose value during the term of your loan. <\/p><p>With car loans, you\u2019re usually offered 25% to 50% of the value of the car. When it comes to borrowing against your house, lenders generally let you borrow 80% of your loan-to-value ratio (LTV). The expression \u201csafe as houses\u201d says it all really \u2013 looking at UK house price trends, property is one of the best forms of collateral from a lender\u2019s point of view.<\/p><h3>Benefits and drawbacks of using collateral to secure a loan<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li><b>Increases chance of approval.<\/b> We\u2019ve talked a lot about mitigation of risk. That reduction is what can increase your chances of approval. Even if you don't have a perfect credit score, you have something that is valuable enough to pay back the amount of the loan if you find yourself unable to.<\/li>\n                                    <li><b>Lower interest rates.<\/b> When you have an excellent credit score, you\u2019ll often see premium rates from lenders. While you may not have the best score, providing security could get you a better interest rate as a result of the lowered risk to the lender.<\/li>\n                                    <li><b>More wiggle room.<\/b> It\u2019s always good to have room to negotiate. With increased chances of approval, lower interest rates and longer terms, you can often get terms that fit your budget. Cutting down the length of the loan might give you a lower overall cost, while extending it can afford you smaller monthly payments.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li><b>Repossession.<\/b> Defaulting on a secured loan means losing whatever that security is. A necklace from your great grandmother, your car or even your home can be taken if you promised them to the lender. While no one plans on failing to pay off their debts, life happens. Losing the collateral you put up could potentially end up making a bad situation worse.<\/li>\n                                    <li><b>Overspending.<\/b> Security generally affords you a little more leeway. This could be dangerous, though. Taking out more money than you need can mean additional interest payments. If you\u2019re tempted to grab that extra cash to treat yourself, you might want to consider the whole of your financial wellness first.<\/li>\n                                    <li><b>Longer term.<\/b> A longer repayment period can sound like a great advantage if you want to lower your monthly payments. However, it also means paying more interest over the life of the loan. A higher overall cost to your loan may not be worth the extra wiggle room from month to month.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Credit reporting for secured personal loans<\/h3><p>Just like with unsecured personal loans, the lender you take out a secured personal loan with will report your payment history to these credit bureaus: Experian, Equifax and Crediva. If you make any late payments or default on the loan, it will remain on your credit report for seven years from the date of the original missed payment. <\/p><p>However, if the collateral tied to your secured personal loan is repossessed or confiscated, this will add even more negative marks to your credit history.<\/p><h3>How to get a personal loan without collateral<\/h3><p>Not sure you want to put your house, car or grandmother\u2019s silver on the line? <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\">Unsecured personal loans<\/a> are actually more common than secured loans. The application process is nearly the same, except you don\u2019t need to take the extra steps involved with appraising your collateral or providing proof of ownership.<\/p><p>You can typically get an unsecured personal loan with competitive rates if you have:<\/p><ul class=\"list-1\"><li>Good or excellent credit<\/li><li>Steady income from a full-time job<\/li><li>A low DTI<\/li><\/ul><h3>Bottom line<\/h3><p>There are options aplenty when it comes to taking out a personal loan with or without securing it. When looking into a secured loan, consider your ability to repay the loan very seriously before taking one out. Defaulting on a secured loan means more than just damaging your credit score; you could lose the asset you put up for security.<\/p><p>If a secured loan doesn\u2019t exactly fit your needs, you can consider unsecured loans that don\u2019t require collateral.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">If I have a poor credit score, am I still eligible for a secured loan?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You might be. The requirements vary by lender, but you may be able to get a secured loan with less-than-perfect credit if your asset matches the lender\u2019s criteria and you can prove your ability to repay the loan. Otherwise, you can <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/bad-credit-loans\" title=\"Bad credit and need a loan? There are options for you\">consider bad credit personal loans<\/a>.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What can I use a secured loan for?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>In the case of personal loans, you can usually use the loan for any legitimate purpose. Car loans are typically restricted to cars or other recreational vehicles. Business loans are generally for business purposes only.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What will I need to apply for a loan?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Different lenders require different information and <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/personal-loan-documents\">documentation<\/a>. Generally, you\u2019ll need to provide your personal contact information, date of birth, bank account information and employment and income information. For a business loan, you\u2019ll also need to supply relevant information about your business.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Late repayments can cause you serious money problems. See our <a href=\"https:\/\/www.finder.com\/uk\/debt\" class=\"fin-text-navy\">debt help<\/a> guides.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Find out what assets you can use as collateral for personal loans, car loans and business loans. Compare lenders that offer secured loans.<\/p>\n","protected":false},"author":195,"featured_media":123733,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2603],"tags":[],"asset_tag":[],"class_list":["post-121815","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Collateral Loans: What can I use as security? | Finder UK<\/title>\n<meta name=\"description\" content=\"Taking out a secured loan? 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