For some people, credit scores are a tough thing to keep up with. An important aspect of poor credit scores that we take into account is the fact that it’s not always as simple as someone being irresponsible with bills and credit cards.
Everyone’s life situation is different, and sometimes people can feel overwhelmed trying to improve their score. We want to give a little bit of power back to you, so we don’t view a bad credit score as a deal breaker.
What Can A Secured Personal Loan Be Used For?
Whether you totaled your car or you just want to go relax in the Bahamas, it makes no difference. If you want to take care of a big expense, we’re here to help. Here are some common uses for a personal loan.
Debt Consolidation
Repaying your debts can get tricky if they’re scattered all over the place. Debt consolidation will help you streamline the process by lumping your balances into one payment.
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Home Improvement Loans
You spend a large portion of your life in your home, and you should enjoy that space! Whether you need to paint the kitchen or turn your basement into a few new bedrooms, a home improvement loan can help!
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Unexpected Expenses
Life has a way of throwing us curveballs, often at inopportune times. This usually means we don’t have the immediate funds to field them. A personal loan can alleviate that stress and help you take care of an unexpected expense.
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Vacation Loans
Life can get hectic, and sometimes you just need to get away. A vacation loan is your ticket to paradise when you and your family need to recharge your batteries at an out-of-town destination!
Learn MoreThe minimum and maximum period for repayment are 12 – 60 months. Your terms vary based on personal information like credit history, income, expenses, debts, and acceptable collateral.

Fast Funds When You Need Them!
Get funds fast and pay loans with your debit card.
- Apply in-store, over the phone, or online
- You have the option to receive funds on your debit or prepaid card
- Make a payment in-store, over the phone, or online
Don’t wait for checks to clear or worry about driving to a store. Bay Country Finance pushes funds straight to your debit or prepaid card so you receive funds when you need them.

How Does a Secured Personal Loan Work?
Instead of deciding whether or not you’re worthy based on credit alone, we require another option in the form of collateral.
A secured loan is a loan that requires you to pledge an asset, like your home or car, as collateral. So, whether it’s real estate, a vehicle, or other assets, it can be used to secure the money you need to take care of whatever big expenses you need to hurdle—large purchases, unexpected expenses, credit card balances… you name it.
This type of loan is ideal if you’re looking for a lower interest rate or need to borrow a larger amount. You’ll retain possession of whatever asset you select throughout the life of the loan, so don’t worry about not having access to your vehicle or other property.

Benefits of Our Secured Personal Loans
- Financing is available up to $50,000
- Speedy approvals, often the same day as your application
- Convenient loan options to offer flexibility
- No application fees
- Budget-friendly terms
- Fixed terms and rates ranging from 12 to 60 months

Let Us Reward Your Loyalty!
If You Are a Current or Former Valued Customer, Enjoy the Following Benefits on a New Loan with Us
- $25 Amazon Gift Card when your new loan closes*
- 45 days before your first payment is due
- “Instant Funding” directly to your debit card
- Plus, earn a $25 Amazon Gift Card for the referral of a friend or family member (Referring customer must close loan to become eligible).
*Any customer eligible for a Loyalty Gift Card must notify your loan officer at time of loan closing. Terms, conditions, and some restrictions apply. Not all will qualify.