We offer unsecured signature loans, savings share secured loans, certificate secured loans and a special Class Cash loan for local teachers. What is Secured Debt?With a Secured Signature Loan, you can borrow against your money at Cal Coast and get a few perks along the way. Secured debt is a type of loan where you pledge something valuable (collateral) to back up the loan. For Certificate Secured Loans, the entire remaining unpaid balance shall be due and payable upon the maturity of the certificate account. The California Debt and Investment Advisory Commission (CDIAC) provides information, education, and technical assistance on debt issuance and public. Call the California Law Offices of Attorney Judith A. Descalso at 760-670-4863 for a free consultation in bankruptcy, secured and unsecured debt matters. Certificate-Secured and Share-Secured Loans have no pre-payment penalty, a fixed-monthly payment and a low minimum loan amount. This property serves as collateral for the loan. Common examples include home loans, car loans, and business loans.