Individuals

Discover a new way to invest

Historically, only banks and large institutions could invest in consumer credit. With Secure Loan USA, you can get new access to an asset class that institutions have enjoyed for decades, diversify your portfolio, and potentially earn competitive returns.


How investing works

Here’s how to get started with Secure Loan USA.


Competitive Returns

A fixed-income alternative, with historical returns of 3–8% per year.

 

Invest with Purpose

Invest while building brighter futures for personal loan borrowers.

Portfolio Diversifier

99% of portfolios with 100+ Notes have seen positive returns.

Account options

Secure Loan USA offers multiple account options for investors.

 

Individual accounts

Get started as an investor with a standard individual investment account. This is our most popular account type.

Retirement Accounts

Traditional IRA

Investors can make tax-deductible contributions up to the statutory contribution limit with a Traditional IRA. Investments can grow tax-free and are taxed upon distribution. Plus, for many investors, we’ll cover the annual fees.

Roth IRA

Roth IRAs can offer tax-free growth and distributions, but the contributions to a Roth IRA are not tax-deductible. There is no minimum distribution required for investors over the age of 70 1/2.

401(k) Rollover

Open a Secure Loan USA IRA by transferring funds from a retirement plan established with a previous employer, such as a 401(k) or a 403(b). Our preferred custodian, IRA Services Trust Co. (ISTC) 4, offers a fast and easy rollover service.

Other investment account options

Joint account

Investors can open an account with a spouse, partner, or anyone with whom they have joint investment goals.

Trust account

Investors can open an account for a trust, which is owned by the trust with the trustee(s) exercising control of the account.

Corporate account

Corporations and businesses interested in investing through Secure Loan USA can appoint a designated representative to manage a portfolio on their behalf.

Custodial/minor account

Guardians and custodians interested in establishing accounts for minors can take advantage of Secure Loan USA options for Uniform Transfers to Minors Act (UTMA) and Uniform Gifts to Minors Act (UGMA) accounts.

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