Our auto-secured loan specialists can answer any questions and help you fill out an application for the personal loan that fits your needs. In the market for a new or pre-owned vehicle, or looking to refinance an existing auto loan?Georgia United has low competitive rates! A debt is secured if the creditor has collateral. Home mortgages and car loans are probably the most common kinds of secured debts. A Best Egg Vehicle Equity Loan could quickly give you the money you need to consolidate debt, finance a major purchase, and more. For example, a car loan will not qualify for cramdown unless the debtor has owned the car for at least 910 days (2.5 years). Let's focus on what's probably the most common kind of secured debt: a vehicle loan. Everyone who is signing on the loan should bring a driver's license and insurance card. This documentation will speed up the process of getting your car loan.