Updated September 29, 2026 · BorrowCue Editorial Team
Top secured loans compared in the United States
59 lenders available in the United States, ranked for the United States.
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| # | Lender | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 1 |  Consumers Credit UnionTop pick 0.50% APR discount on auto loans bought through CCU's Car Buying Service | 9.3/10 |
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| ReviewCompareVisit |
| 2 |  Upgrade | 9.2/10 |
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| ReviewCompareVisit |
| 3 |  Citizens Bank | 9.6/10 |
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| 4 |  First National Bank of Omaha | 9.6/10 |
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| 5 |  AffinityPlus Credit Union | 9.4/10 |
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| 6 |  NewtekOne Guaranteed Savings $100 gift card | 9.4/10 |
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| 7 |  T-Bank | 9.4/10 |
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| 8 |  Patelco Credit Union LevelUp Loan Rate Reduction: up to 0.50% rate reduction each year | 9.3/10 |
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| 9 |  Republic Bank | 9.3/10 |
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| 10 |  Spark | 9.3/10 |
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Licensed in the United States
- Consumers Credit Union
- National Credit Union Administration (NCUA) - federal insurance
- Upgrade
- NMLS Consumer Access (Upgrade, Inc.)
- Upgrade
- California Department of Financial Protection and Innovation
- Citizens Bank
- National Mortgage License System (NMLS)
- Citizens Bank
- Federal Deposit Insurance Corporation (FDIC)
- Citizens Bank
- FDIC
- First National Bank of Omaha
- NMLS (National Mortgage Licensing System)
- First National Bank of Omaha
- FDIC
- First National Bank of Omaha
- HUD (Equal Housing Lender)
- AffinityPlus Credit Union
- National Credit Union Administration (NCUA)
- NewtekOne
- Federal Deposit Insurance Corporation (FDIC)
- T-Bank
- Federal Deposit Insurance Corporation (FDIC)
- Patelco Credit Union
- National Credit Union Administration (NCUA)
- Republic Bank
- NMLS (National Mortgage Licensing System)
- Republic Bank
- FDIC
- OneMain Financial
- California Department of Financial Protection and Innovation
- OneMain Financial
- Pennsylvania Department of Banking and Securities
- OneMain Financial
- Virginia State Corporation Commission
- OneMain Financial
- New York State Department of Financial Services
- OneMain Financial
- Michigan Department of Insurance and Financial Services
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- Personal loans in the United States
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- Car loans in the United States
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- Cash advance apps in the United States
- Buy now, pay later in the United States
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