Secured Loan One of the options you can opt for is a secured loan or a loan against collateral. If you have any assets or fixed deposits with your bank, you can request them to lend a loan against security. Usually, your credit score is not taken into consideration. However, if you do miss payments, the collateral you have pledged will be seized by your lender. home loans , mortgage loan , loan against property , housing loan , home construction loan , flat purchase loans , mortgage loan process , house for sale