Savings Secured Loans

Secure your loan with your savings to improve your credit and lower your rate.

Instead of draining your savings account to make a large purchase, consider using that savings to secure a loan with Langley. Getting a savings secured loan is fast and easy and the rates are usually lower than store credit or credit cards.

Best of all, everyone qualifies for a savings-secured loan…even if they have a poor credit score. Whether you have an unexpected expense or want to eliminate high rate debt, a savings-secured loan is a smart option.

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Frequently Asked Questions About Savings Secured Loans from Langley

A savings secured loan is a loan that is secured by your saving account. Because the loan is secured, we are able to provide a low rate of interest, the share rate + 3%

, which is the current savings rate () + 3%.

Your savings will become available to you as you pay down the loan.

Our contact center has staff ready and available to answer your lending questions.

You will need to have the funds in your savings account to secure the loan.


*Annual Percentage Rate (APR) is variable and equal to the last declared Tier 2 savings dividend rate plus 3%. Approximate Term up to 144 months.