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Deposit-Secured Loans

Giving you a boost from your own accounts.

Another kind of Installment Loan we offer is a Deposit-Secured Loan. This allows you to borrow up to 100% against your On The Grid Financial Savings Account or Certificate of Deposit balances without having to withdraw funds from those accounts. You must qualify for the loan and loan payment and the money you are borrowing against will be “frozen,” until the loan is paid off.

On the plus side, your rate is much lower than a Personal Loan because this loan is secured by your own funds. And you’ll continue to earn interest on your Savings or Certificate Accounts throughout the payback period.

Loan Services


  • No application fees
  • No prepayment penalties
  • Terms up 72 months (depending on the amount borrowed and account used to secure the loan)
  • Can be repaid through payroll deduction or automatic transfer
  • Counts as installment credit—will not affect your credit score as much as revolving credit (like credit cards)

Why lose valuable interest when you can borrow against your own money and keep your assets protected. With our Deposit-Secured Loan, you can get the best of both worlds.