To qualify for cash secured loans, which are essentially a loan from your own resources, is typically pretty simple. Your savings or investment account will be used as collateral for your loan, so typically it doesn't matter what your credit score is. However, your credit score might have an impact on the loan's interest rate. Each lender has different guidelines for cash-secured loans; some let you borrow the entire balance of your savings account, while others only let you borrow a portion of it.