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Secured loans from online lenders. A secured loan from a reputable online lender will carry a maximum APR of 36. The rate, the amount borrowed and the length of the loan will be based on both your credit and the value of your collateral.
Some lenders let you apply for a secured loan upfront, but others may show you the option only after youve tried applying for an unsecured loan. Most online lenders let you check your rate without affecting your credit, so it doesnt hurt to first apply for an unsecured loan at multiple lenders to see if you qualify.
You can use NerdWallets lender marketplace to compare rates in one place.