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Discount rate available: Interest rate will be based on prime rate plus 6 percent, if you have an automatic loan payment set up out of a Howard Bank checking account.​​; No collateral: Like unsecured personal loans, our personal cash reserve doesn't require you to use any assets as security for repayment.

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The APR (Annual Percentage Rate) on your Personal Loan depends on the loan amount, term requested, and your credit score and history. Secured Loan vs. Unsecured Loan. A secured loan is one that is connected to a piece of collateral, such as your savings or certificate accounts. With this type of loan, a lender has the