subject: Low cost secured loan: gratify your all wishes [print this page] The repayment period varies from 5 to 25 years depending upon the amount of loan you have applied for. Moreover, people falling under the category of bad credit holders or facing trouble like defaulters, bankrupts, arrears, IVA's and CCJ's etc. can also avail for this financial support. You can also apply for this credit facility through online, for this you are required to file an application form and fulfills the lenders requirement online. This process is also known as availing online secured loans. This can help you to get better deal for a low cost secured loan