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The bank also offers CD-secured lines of credit that are different from loans. Borrowers cannot touch the money in their account for the duration of the loan.
The chances of qualifying for a loan still depend on a borrowers credit score, income and other debts, but pledging an account increases the likelihood of qualification significantly, says Jason Vasquez, a spokesman for Wells Fargo. APR: 5. 50 to 13. 79 Loan amount: 3,000 to 100,000.