Share Secured Loan
Take the first step towards building a better credit history.
EARN THE POSITIVE REPUTATION THAT YOU DESERVE
Use your Savings (Share) Account or Share Certificate to borrow money and prove that you’re the smart bet for lenders.
Simple To Use
Use your balance from a Savings Account or Share Certificate as collateral. Funds are released as you make payments.
Transparent Terms
Share Secured and Certificate Secured Loans allow for up to 90% loan amount/balance.
Easy Application
Easily apply online, at a RadiFi branch, or call us at 904-475-8000. Non-member applications welcome.
Share and Certificate Secured Loan Rates
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Loan Type |
Annual Percentage Rate* |
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* The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of May 15, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000. ** Certificate secured loan rates are 3% above the dividend rate paid on the certificate. The maximum term on a certificate secured loan must be such that the final payment does not exceed the maturity date for the certificate. There is a maximum of 1 loan per certificate and 3 certificate loans per member. Collection Costs: You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees. Filing Fees: If you give a security interest in certain types of property, we may charge you a filing fee to protect the property. If so, the amount of the fee will be disclosed to you at the time you obtain an advance. Late Charges: If a payment is received more than 10 days after its due date, a late fee, equal to the greater of $25.00 or 20% of the interest due, will be assessed. |
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Loan Type Share Secured (3-60 Month Term) |
Annual Percentage Rate* Share Rate +2.00% |
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Loan Type Certificate Secured |
Annual Percentage Rate* Certificate Rate +3.00% |
CRUNCH YOUR NUMBERS
Our free calculators let you hone in on the best financial strategy for any situation.
*The information provided by these calculators is for illustrative purposes only and accuracy is not guaranteed. The values shown are hypothetical and may not be applicable to your individual situation or guarantee extension of credit. Be sure to consult a financial professional prior to relying on the results.
OUR MEMBERS EMPOWER US
We’re dedicated to empowering you, which fuels everything we do.
— Joe S., MemberCalled today to apply for a loan over the phone. I was very surprised how quickly the process was handled by my loan agent. She was very knowledgable, very professional, and customer friendly. Great job.
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