Share Secured loans are guaranteed by your savings account. If your credit is not the greatest, you may qualify for this type of loan which is put against your Share (savings) account until the loan is paid. This low-cost, flexible term borrowing is a way to re-establish or re-build your credit. Affinity One will instantly approve your loan because the loan is secured by shares on your deposit at the credit union. Share Secured Loans can be up to 12 year terms and $100,000.