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Secured personal loan, e Bank, secured loan.#Secured #loan


Secured Personal Loan

Offer your car as security for a lower interest rate

Why choose a Secured Personal Loan?

Offer your car as security and borrow up to $80,000 at a lower interest rate

Fixed rate

Variable rate

Note: the first interest rate you see in your application may change once we’ve determined the value of your car. Your loan is more likely to be approved if you’ve been with St.George for six months or more.

Is your car eligible as security?

The car you offer as security for the loan must be:

Key fees

What are break costs?

Break costs are an amount equal to our reasonable estimate of loss if you break a fixed rate loan term. You’ll need to pay break costs upon early payout or partial payment (in excess of the limit set out in the loan terms and conditions) of a fixed rate loan.

Fees are subject to change.

You also get…

Preferred repayment frequency

Choose to make weekly, fortnightly or monthly repayments.

Redraw facility on variable rate loans

Redraw money from the amount you’ve repaid if you need to, provided you’re at least $500 ahead on your repayments. Each request is subject to approval and a fee.

Internet banking access

Manage your loan and track repayments online or through your mobile banking app.

The Detail

How to apply for a loan

Not right? Try these

Unsecured personal loan

A personal loan that

doesn’t require security

Secured loan

Get Set Loan

Access your funds

as you need them

Credit criteria, fees, charges, terms and conditions apply.

Interest rate may change and margins may apply in some circumstances. The interest rate may vary based on the value of the car you offer as security.

The advice on our website is prepared without knowing your personal objectives, financial situation or needs. Before you act on this or any advice, please consider if it’s right for you. Read the above product disclosure documents as well as the Online Banking Terms and Conditions (PDF 283KB) before making a decision and consider whether the product is appropriate for you. If you need help, call 13 33 30.


Good & Bad Credit Personal Loans, Life House Financial, secured personal loans.#Secured #personal #loans


Business and Personal Loans Made Easy…

Safe, Secure and Hassle Free

All Credit Types Welcome

Secured personal loans

Welcome to Life House Financial a debt consolidation, business, or personal loan, our representatives are standing by ready to help.

To get started, simply tell us about your financing needs using our online form. If preferred, you may call us anytime at 1-888-952-7280. Our office hours are Monday – Friday 9:00 am to 5:00 pm Eastern Standard Time.

Find Your Loan

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Copyright В© 2017 – Life House Financial Security | Terms of Use

ADVERTISING DISCLAIMER: The Operator of this website is not a lender and cannot guarantee you will be approved for a loan. This website offers a free service that will match the information you provide with a loan and/or financial solution or service from a company that appears to most closely match your needs. These companies include personal, business, installment, line of credit, and short-term loan providers, as well as other financial service providers (“Providers”). This website receives compensation from Providers in certain circumstances. This compensation may impact how and where products appear on this site, such as the order or placement. Our Providers do not represent all loan companies or all types of offers available in the marketplace. This website does not broker loans to a lender, is not an agent of or represent a lender in any other capacity other than as a referral source. This website does not make, fund or offer any specific loan or financial product. This website does not constitute an offer or solicitation to lend. This website does not charge for any service or product. This website does not endorse or recommend the products or services of Providers, and are not an agent or advisor to you or Providers. We do not validate or investigate the licensing, certification or other requirements and qualifications of Providers. It is your responsibility to investigate Providers. You acknowledge and agree that Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of Providers products and/or services. You should review each Providers terms and conditions to determine which loan is best for your personal financial situation. We highly encourage you to consult a qualified financial professional before making any type of financial decision. This service is not available in all areas within the United States. LifeHouseFunding.com is operated by Life House, 3 Executive Park Dr. Suite 201 Bedford, NH 03110 Phone: 1-888-952-7280.

*Displayed rates and terms located on this website are representative of a prime credit individual and are not typical of all applicants. The term, rate, and loan amount you qualify for will depend on your credit worthiness and personal financial situation.


Secured personal loan, KeyBank, secured personal loans.#Secured #personal #loans


Find a Location

Mon-Fri 8:00 a.m.- 8:00 p.m. EST

Get a response to your email question within 24 to 48 hours.

Secured personal loans Secured personal loans

Grab hold of more possibilities.

Find the right loan to put your plans into action.

KeyBank Personal Loans & Lines of Credit

Secured personal loans

24-Hours Online Banking and Bill Pay

Secured personal loans

Debt Consolidation Calculator

Secured personal loans

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Personal Loans & Lines FAQ

KeyBank Secured Personal Loan

From jet skis to ATVs, KeyBank can help you get the financing you need.

You’ve earned the personal time to relax or pursue your hobbies, and it’s only right that you spend it the best way possible. Fund your fun with a smart and affordable secured personal loan from KeyBank. The best time to do it is before you shop. When you walk into a showroom with your loan squared away, you save time and already know how much you can spend – so you can negotiate like a cash buyer.

Get flexible financing with a collateral loan.

  • Minimum loan amount $5,000
  • Competitive fixed and variable rates
  • Same day approval*
  • Access loan information and make payments through Online Banking
  • Earn 15,000 KeyBank Relationship Rewards ® points for opening a new Secured Personal Loan † and expanding your relationship with KeyBank.

A secured personal loan with great options.

You can decide how to secure your loan. If you don’t want to use your savings, secure your loan using CDs, savings or investments. You can do so without withdrawing those funds, avoiding possible penalties or losses, so you’ll be able to keep your financial plan on track.

Open your KeyBank Secured Personal Loan today!

Access your accounts 24/7 through Online Mobile Banking.

your loan payments?

We’re here to help.

Enroll in KeyBank Relationship Rewards ® and start earning points.

* All credit products are subject to credit approval.

† Your checking account must be enrolled in KeyBank Relationship Rewards prior to account opening to qualify for points. If you choose to enroll your KeyBank checking account in the Relationship Rewards program, there may be an annual fee based on the type of checking account that is enrolled. Point values earned for Activities, Bonus Activities and for opening, signing up for or being approved for a Relationship Product are subject to change. See the KeyBank Rewards Terms and Conditions for full details which may be found at key.com/rewards.

Point values earned for Activities, Bonus Activities and for opening, signing up for or being approved for a Relationship Product are subject to change. There is a monthly cap of 1,500 points for Activity Point categories.

1 Fees may apply for this service.

To apply, you must:

  • Be 18 years of age or older
  • Live within the following states: AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
  • Agree to provide additional personal and business information, if requested, such as tax returns and financial statements
  • Certify that all information submitted in the application is true and correct
  • Authorize the bank and/or a credit bureau to investigate the information on the application

Everyday Loans – Loans for Bad Credit, secured loans.#Secured #loans


Loans for Bad Credit, from 1,000 to 15,000.

Representative 93.6% APR.

With everyday loans, you’re more than just a credit score.

  • Secured loans

Bad Credit Loans

You’re more than just your credit score. Whether it’s a new car, a new kitchen, or you just need a hand to move forward, we’ll be here to help!

Our Reviews

Flexible, friendly and transparent with great customer service – at least that’s what our customers say!

Selfy Loans

Are you Self-Employed or Sub-Contracting? Do you need a loan to help your business grow like buying a new/additional vehicle or equipment?

Why choose everyday loans?

  • Applying with us won’t affect your credit score. We use Soft Searching Technology which means even if you’re unsuccessful; it won’t go against your credit file.
  • We offer loans to those with a less than perfect credit score. You’ll need to be over 18, a UK resident and be able to afford repayments.
  • We’re a direct lender not a broker. We’ll NEVER charge you a fee to consider your application.
  • We’ll give you a conditional decision in just minutes.
  • You don’t have to be a homeowner, we offer tenant loans and loans to people living with their parents too.
  • Our customer service team specialise in helping people with bad credit scores – we’re here to understand and to offer a helping hand.
  • You can borrow from 1,000 up to 15,000 over 24 to 60 months, for almost any purpose. Loans not for business, gambling or illegal purposes.

Start Your Application

Representative Example: Borrowing 3,000 over 2 years at an interest rate of 67.9% p.a. (fixed), you will repay 24 monthly payments of 231.78 per month. Interest payable 2,562.75. Total amount payable 5,562.75. Representative 93.6% APR. Rates from 24.2% to 299.9% max APR.

How it all works

With everyday loans, you’re more than just your credit score. Here at everyday we look at your credit future, not just your credit history. As such even if you have bad credit now or you’ve had a poor credit score in the past, we may be able to help.

There are 3 simple steps to taking out an everyday loans loan. All of our loans are subject to status and affordability.

  • Secured loans

Step 1

Complete our short

  • Secured loans

    Step 2

    Get an initial decision

  • Secured loans

    Step 3

    Pop into your local branch

    to complete your loan

    Will applying for a loan affect my credit score?

    No, applying with us won’t affect your credit score. We use Soft Searching Technology which means even if you’re unsuccessful; it won’t go against your credit file.

    Do I need to be a homeowner?

    You do not have to be a homeowner, we offer tenant loans too. We also offer loans to people who are living with their parents.

    Will you charge me any fees to consider my application?

    We won’t charge you a fee to consider your application and we’ll give you a conditional decision in minutes.

    Are you a direct lender?

    Yes, everyday loans are a direct lender. We are not a credit broker.

    How much could I borrow?

    You could borrow anywhere from 1,000 to 15,000. All Loans are subject to status and affordability. Terms and conditions apply.

    Do you have a branch near me?

    We have an extensive range of branches in the UK, take a look here to find out where your closest branch is.

    Loans are subject to status and affordability. Terms and conditions apply.

    We do not charge any fees. If you prefer, talk to us on Freephone 0808 231 5453.

    Everyday Loans is a trading style of Everyday Lending Limited (Company registration no. 5850869, England Wales).

    Registered Office and Trading Address: Secure Trust House, Boston Drive, Bourne End, Buckinghamshire, SL8 5YS.

    Everyday Lending Limited (Firm Reference No. 724445) is authorised and regulated by the Financial Conduct Authority.

    Everyday Lending Limited is a member of the Finance and Leasing Association and as a member, we follow its Lending Code.


  • Good & Bad Credit Personal Loans, Life House Financial, secured loans for bad credit.#Secured #loans #for #bad #credit


    Business and Personal Loans Made Easy…

    Safe, Secure and Hassle Free

    All Credit Types Welcome

    Secured loans for bad credit

    Welcome to Life House Financial a debt consolidation, business, or personal loan, our representatives are standing by ready to help.

    To get started, simply tell us about your financing needs using our online form. If preferred, you may call us anytime at 1-888-952-7280. Our office hours are Monday – Friday 9:00 am to 5:00 pm Eastern Standard Time.

    Find Your Loan

    Navigation

    The Company

    Connect

    Copyright В© 2017 – Life House Financial Security | Terms of Use

    ADVERTISING DISCLAIMER: The Operator of this website is not a lender and cannot guarantee you will be approved for a loan. This website offers a free service that will match the information you provide with a loan and/or financial solution or service from a company that appears to most closely match your needs. These companies include personal, business, installment, line of credit, and short-term loan providers, as well as other financial service providers (“Providers”). This website receives compensation from Providers in certain circumstances. This compensation may impact how and where products appear on this site, such as the order or placement. Our Providers do not represent all loan companies or all types of offers available in the marketplace. This website does not broker loans to a lender, is not an agent of or represent a lender in any other capacity other than as a referral source. This website does not make, fund or offer any specific loan or financial product. This website does not constitute an offer or solicitation to lend. This website does not charge for any service or product. This website does not endorse or recommend the products or services of Providers, and are not an agent or advisor to you or Providers. We do not validate or investigate the licensing, certification or other requirements and qualifications of Providers. It is your responsibility to investigate Providers. You acknowledge and agree that Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of Providers products and/or services. You should review each Providers terms and conditions to determine which loan is best for your personal financial situation. We highly encourage you to consult a qualified financial professional before making any type of financial decision. This service is not available in all areas within the United States. LifeHouseFunding.com is operated by Life House, 3 Executive Park Dr. Suite 201 Bedford, NH 03110 Phone: 1-888-952-7280.

    *Displayed rates and terms located on this website are representative of a prime credit individual and are not typical of all applicants. The term, rate, and loan amount you qualify for will depend on your credit worthiness and personal financial situation.


    CREDIT CARDS and LOANS for BAD CREDIT, secured loans for bad credit.#Secured #loans #for #bad #credit


    Loans and Credit Cards for Bad Credit

    Welcome! Since 2005, we have been dedicated to helping those with a bad credit rating rebuild their credit. We provide you with the knowledge and resources necessary for you to find the best loans and credit cards for bad credit, regardless if you have a poor credit score or past credit problems. We continously update our offers to bring you the best bad credit offers available.

    If you are looking for the right offer to fit your financial needs or repair bad credit, please begin by choosing a category of offers below:

    Compare the top 10 credit cards for those with bad credit and apply online instantly.

    Compare auto lenders that approve people with a poor credit score.

    Review the best services for debt relief and debt consolidation loans.

    Need a cash loan to pay bills, take a vacation, or start a business? Apply now.

    Compare options to repair your bad credit history and improve your rating.

    Get a new home loan now at a great rate regardless of your past credit history.

    Tips and Advice

    ► 5 Steps to Rebuilding Bad Credit

    Secured loans for bad credit

    ► Credit Crunch Shrinking Size of Personal Loans

    Secured loans for bad credit

    ► Inside the Brain of an Auto Lender

    Secured loans for bad credit

    ► Filing for Bankruptcy: Chapter 7 vs. Chapter 13

    Secured loans for bad credit

    ► Which Type of Home Loan is Right for You?

    Secured loans for bad credit

    ► Too Much Debt? How to Break the Debt Cycle

    Secured loans for bad credit


    Unsecured Loans for Bad Credit – Apply Online Now – Instant Decision, secured loans for bad credit.#Secured #loans #for #bad #credit


    Unsecured Loans for Bad Credit

    There are many reasons why people look for unsecured loans for bad credit. They may not have any collateral to put down on a secured loan, they may not be willing to risk the items they could put down for collateral or they may simply want options of unsecured loans for bad credit.

    Fortunately, there are a rather large number of options when it comes to unsecured loans for bad credit. The most common is the no credit check personal loans. These personal loans are generally fairly short term loans that will not require any type of credit check. They are unsecured loans for bad credit and will help protect their loans by requesting pre-payment schedules or higher interest rates.

    Most unsecured loans for bad credit do have their fare share of fees associated with them. The unsecured loans for bad credit tend to have an origination fee, processing fee, administrative fee or sometimes a repayment fee. The unsecured loans for bad credit tend to add a decent amount of money to the balance when you accept the terms of the unsecured loans for bad credit.

    Unsecured loans for bad credit also have a rather wide range of APR associated with them. Some of the interest is lower and offers a larger payback period, while others are very short term with high interest rates. Unsecured loans for bad credit can range from double digit interest all the way to triple digit interest depending on the type of unsecured loans for bad credit that you choose to take.

    Unsecured loans for bad credit also have a rather wide range in regards to the amount of money you are allowed to borrow. Some unsecured loans for bad credit will allow you to borrow as little as $100 while others will allow you to borrow within the thousands. It is always important for you to sit down and figure out how much money you absolutely have to borrow. Some unsecured loans for bad credit base their interest and fees on the amount of money you borrow, so you never want to borrow more money than you have to.

    Unsecured loans for bad credit can be extremely helpful. They can help you get the cash flow that you need in order to get through some tough times. They can also help get you back on your feet after being knocked down by bad luck or other creditors. The unsecured loans for bad credit were created to help get people out of a jam and get them going, they also were created to help people establish better credit by helping them rebuild with making timely payments. There are even the unsecured loans for bad credit that will help get your other creditors off your back and provide you with the option of consolidating your other bills and giving you one low monthly payment versus several higher ones. Unsecured loans for bad credit have offered an option to people where they have never had it before.


    Rebuilding Credit: Credit Cards and CD, secured loans for people with bad credit.#Secured #loans #for #people #with #bad #credit


    Rebuilding Credit: Credit Cards and CD/Savings Account Secured Loans

    If you want to repair your credit, a good place to start is with a credit card especially after a bankruptcy. But that s not always possible. If your application for a credit card or regular loan gets declined, consider a bank or credit union loan secured by a certificate of deposit (CD) or savings account. By doing so, you can start building a positive credit history by making your loan payments on time every month.

    Most people start working to improve their credit by taking out a credit card. You ll find two different types available:

    • Unsecured credit cards. This is the standard credit card used by most people. When you make purchases, you essentially borrow money from the credit card company and pay interest on the amount until you pay it back. Unsecured credit cards are riskier for the credit card company because if you don’t pay, the credit card company can’t do anything other than sue you for the balance. If you file for bankruptcy, unsecured credit card debts typically are discharged (wiped out). It s also relatively easy to get an unsecured credit card after completing bankruptcy. In fact, many people are surprised to find their mailboxes flooded with offers.
    • Secured Credit Cards.Secured credit cards are different because you must deposit money into a savings account to use the card, and the bank will only allow you to charge a percentage of your deposit. It s typical for a limit to be as low as 50% or as high as 120%. People who have bad or no credit, and individuals getting out of bankruptcy will have an easier time getting a secured credit card because they re less risky for the bank. The main benefit is that payments are reported to the credit bureaus without requiring the cardholder to incur more debt.

    It s a good idea to research secured credit card offers before choosing one. Not only will the interest charged be high, but you ll want to find out how much you ll be charged for processing and application fees, as well as annual fees.

    Other Options

    Not everyone qualifies for a credit card. But fortunately, they aren t the only game in town. Here are a couple more ways to rebuild your credit:

    • CD/Savings account secured loans. Start by taking some money you ve saved and open a certificate of deposit (CD) or savings account. Then ask the credit union or bank to give you a loan against the money in your account. In exchange, you have no access to your money. You give your passbook to the bank, and the bank won t give you an ATM card for the account, so there s no risk to the bank if you fail to make the payments.
    • Personal Loans. If you can t find a credit union or bank that offers these types of loans, apply for a personal loan and offer either to get a cosigner or to secure it against some collateral you own (not your house).

    Questions to Ask Before You Get the Account

    No matter what kind of card or loan you get, be sure you know the following:

    • Does the credit union or bank report the payments to credit reporting agencies? The whole reason to take out the account is to repair your credit. If the credit union or bank doesn t report your payments to a credit reporting agency, it s not going to be an option that will help rebuild your credit.
    • What is the minimum deposit amount required? Some banks won t give you a loan unless you have a sizeable amount in an account; others will lend you money on $50. You ll want to find a credit union or bank that fits your budget.
    • What is the interest rate? The interest rate will likely be much higher than what people with good credit pay. It will usually also be higher than the interest you earn on the money you deposit with the bank which means you ll lose a little money on the transaction, but it can be worth it if you re determined to repair your credit.
    • What is the maximum amount you can borrow? On CD or passbook loans, credit unions and banks generally won t lend you 100% of what s in your account, but rather between 80% and 95%.
    • What is the repayment schedule? Credit unions and banks usually give you one to five years to repay the loan. Some banks have no minimum monthly repayment amount on passbook loans; you could pay nothing for nearly the entire loan period and then pay the whole balance in the last month. Although you can pay the loan back in only one or two payments, don t. Pay it off over at least 12 months, so that monthly installment payments appear in your credit file.

    Make All Payments on Time

    No matter what, it s imperative that you don t miss a loan payment. Otherwise, the bank will report the late or missed payment to a credit reporting agency, and your credit repair efforts will suffer a setback.


    Secured vs, secured loans calculator.#Secured #loans #calculator


    Secured vs. Unsecured Loans

    If you’re considering applying for a loan or line of credit to help with a major purchase, you have a choice between secured and unsecured lending options. Secured loans and lines of credit are secured against your assets, resulting in higher borrowing amount and lower interest rates. Unsecured loans allow for faster approvals since collateral is not required.

    When to consider unsecured loans and lines of credit

    The main advantage of an unsecured loan is faster approvals and less paperwork. Unsecured loans are generally harder to obtain because a better credit score is required, since your loan would not be secured by any assets or collateral.

    While unsecured loans might be obtained more quickly, it’s important to remember you’ll likely pay a higher interest rate. The four most common reasons why clients choose unsecured loans are for buying a car, home renovations, medical bills and education costs, and debt consolidation.

    • Car loans take less time to process than a secured loan, and interest rates are very competitive
    • Taking out an unsecured personal loan for home renovation projects is ideal, because you can access funds quickly to complete projects with predictable costs
    • For ongoing expenses such as paying tuition or covering the cost of medical bills, you may be interested in an unsecured personal line of credit
    • If you have outstanding debts, consolidating them with a personal loan can help. With interest rates that are lower than credit cards, this solution can help you manage your monthly payments.

      When to consider secured loans and lines of credit

      The primary advantage of a secured loan or line of credit is that you can generally gain access to more money, because you’re backed by the security of your assets.

      Since secured lending products require collateral, the approval process can be longer as the collateral must be processed and verified. This initial due diligence can be worth the extra effort since you’ll benefit from lower interest rates. Large home renovations and debt consolidation are two instances in which you may elect to use a secured loan or line of credit.

      Unlike smaller renovations, you may want to go through the process of obtaining a secured lending product when you’re looking at more extensive changes to your home. A secured line of credit would give you access to a larger credit limit with a lower interest rate, that you could access on an ongoing basis for large projects.

      If you have outstanding debts, a personal loan secured by your current assets (like property or a line of credit) can help you consolidate debts into one loan. With lower interest rates than most credit cards, a personal loan can help you manage your monthly payments. A secured line of credit also offers convenient access to low-interest funds to help consolidate and pay down existing debts.

      Apply for a loan or line of credit with CIBC

      No matter what your borrowing needs are, CIBC has secured and unsecured loans and lines of credit that can help you meet your financial obligations. You can apply for a loan or line of credit online, or speak with a CIBC advisor at 1-866-525-8622 if you have questions, or would like to learn more about possible lending options.


    Home Trust Secured Visa Credit Card Applications, Rebuilding Credit, Build Credit, secured loan.#Secured #loan


    Home Trust Secured Visa Card

    The best way to get the credit you deserve.

    Build or re-build your credit, even if you’ve had credit difficulties in the past, or have never had a credit card before! An excellent opportunity to establish your credit rating.

    Virtually everyone is approved.

    Get all the benefits of Visa* while re-building your credit:

    • Make purchases over the phone or online
    • Plan and book a vacation
    • Access cash anytime, anywhere from over 1 million ATMs around the world displaying the Visa or Plus logo
    • Shop at over 24 million locations worldwide

    Secured Visa Credit Card Application More Information

    How the Secured Visa Credit Card Works

    The Home Trust Secured Visa Card is a credit card that requires a security deposit for eligibility. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $10,000.

    If you decide to cancel your card, you can just pay off your outstanding balance, and you’ll get your security deposit back from Home Trust. Home Trust is a Member of Canada Deposit Insurance Corporation (CDIC) (1-800-461-2342).

    The application process is very simple and almost everybody is approved! Of course, if your application is not approved, your security deposit will be immediately returned to you.

    When your application is complete, please mail your security deposit (personal or personal certified cheque, money order or bank draft from a Canadian Financial Institution, payable to “Home Trust Company”) to:

    Home Trust Company

    Attn: Visa Department

    145 King St. West, Suite 2300

    Request for Authorized User

    Secured Visa Application Forms

    Secured loan

    Secured loan

    Secured loan

    Secured loan

    Customer Service hours are from 8:00 am to 8:00 pm EST, Monday to Friday.

    Please note that the Home Trust Secured Visa Card is not available

    to residents of Quebec.

    Home Trust Secured Visa Card Features

    (Subject to change without notice)

    $5.00 monthly fee or

    $59.00 annual fee

    $19.00 annual fee

    3% of the balance or $10.00,

    whichever is greater

    Secured Visa FAQ

    A secured credit card is a product in which the security deposit you provide is equal to your credit limit. It works just like any other credit card. You are required to make regular monthly payments over and above the security deposit because this is not a “prepaid” card.

    The Home Trust Secured Visa Card will allow you to build or rebuild a solid credit rating. Many people have been declined by the banks for a credit card due to past bad credit or because they have no credit history.

    Having a credit card is not a luxury anymore, it’s a necessity. The Home Trust Secured Visa Card allows you to make purchases on-line or by phone, book a flight or rent a car. And Visa is accepted at over 24 million locations worldwide.

    Home Trust reports your file to the credit bureau on a monthly basis. Your file is updated and your credit history begins. Both the primary applicant’s and the co-applicant’s credit bureau can be updated.

    The minimum credit limit is $500 and the maximum is $10,000.

    You can increase the limit on your card by sending additional funds (personal or personal certified cheque, money order or bank draft) drawn on a Canadian Financial Institution to Home Trust and clearly indicating that you are requesting a credit limit increase.

    Almost everyone who applies (our approval rate is above 95%).

    People who are currently in bankruptcy do not qualify.

    Complete our online application, or fill out an application form, and mail your security deposit (and application form, if used) to: Home Trust Company, Attn: Visa Department, 145 King Street West, Suite 2300, Toronto, Ontario, M5H 1J8. We will not process an application without the security deposit.

    If you have never applied for credit in Canada, you probably do not have a credit file under your name at the credit bureau. If that is the case, then you may be required to provide copies of documents that verify your address, date of birth or Social Insurance Number (e.g. government issued identification, utility bill, bank statement).

    If your application is declined, Home Trust will return your security deposit to you (cheques are not cashed until the application is approved).

    Attach a cheque made payable to “Home Trust Company” (personal or personal certified cheque, money order or bank draft from a Canadian Financial Institution) to your application form and mail it to:

    Home Trust Company

    Attn: Visa Department

    145 King Street West, Suite 2300

    Toronto, ON M5H 1J8

    The application process takes approximately 2-3 weeks from the time the application and security deposit are received, if you send a personal certified cheque, money order or bank draft, drawn on a Canadian Financial Institution. It will take up to an additional 15 days if you send a personal cheque, as we must wait for personal cheques to be cleared by the bank.

    The card is available to Canadian residents except residents of Québec.

    Ensuring that your application is complete will help to speed up the approval process. A personal certified cheque, money order or bank draft, drawn on a Canadian Financial Institution will expedite the process as we will not have to wait for the funds to clear.

    Also, if either of the following applies to you, there are documents you can send with your application to ensure that your file is not delayed:

    • if you have moved since your last loan/credit request or if you do not have a credit history, send a copy of your driver’s license or a bill that matches your current address
    • if you have recently been discharged from bankruptcy, attach your certificate of discharge

    You may request “rush delivery” to have your card delivered to you by courier for a fee of $39.00. Please note that this is only a rush delivery and it will not affect the approval process.

    Your deposit will be held as long as you have an account with Home Trust. When you close your account, we will return your deposit once all purchases and fees have cleared.

    There are two interest rates to choose from:

    1. 14.90% on purchases with cash advances at 19.80%

    2. 19.99% on purchases with cash advances at 19.99%

    Interest is not charged if the balance is paid in full by the statement date. However, for cash advances, interest is charged from the time the advance is made to the time it is paid off.

    You have to pay at least the minimum payment on the statement. You cannot use your security deposit to pay off the balance.

    You can make a payment at any Canadian Financial Institution that bears the Visa logo, either in the branch or through web or telephone banking. If you prefer, you can mail your cheque or money order directly to Home Trust in the envelope provided to you with your statement.

    You may still qualify if you have a past bankruptcy as long as you have been discharged. There is no waiting period after a discharge.

    It is available in every province and territory except Québec.

    At least the age of majority in the province/territory where you reside (18 years of age in Ontario, Alberta, Saskatchewan, Manitoba, Prince Edward Island; 19 years of age in British Columbia, New Brunswick, Nova Scotia, Newfoundland/Labrador and the territories).

    You may make purchases up to the limit of your Home Trust Secured Visa Card or you can use your card to make cash advances at ATMs or at a bank. Your Home Trust Secured Visa Card is a revolving line of credit. As you use your credit card, you are continually borrowing against your line of credit and repaying it. The amount of credit you have available at any time will vary depending on your current outstanding balance.

    You can call Home Trust Visa Customer Service at 416-777-5851 or toll-free at 1-888-281-7793 from Monday to Friday between 8:00 am and 8:00 pm EST or email [email protected]

    Home Trust Visa Online

    Secured loan

    Manage your Visa account easily and securely – anywhere, anytime, 24/7. Get your balance, view your transactions, and even make account payments online. It’s convenient, fast and FREE!

    Online Security

    Secured loan

    Register your Home Trust Visa Card with Verified by Visa* and get greater protection against unauthorized use of your Visa card for online purchases.

    Purchase Security

    Insures most items purchased with you Home Trust Visa Card against theft or damages for 90 days from the date of purchase.

    To find out more call 1-877-686-7677 or download insurance certificate for full coverage detail.*

    * Purchase Security insurance is underwritten by Royal Sun & Alliance Company of Canada