Originally Posted by Lord of the fungi

Yes you can go to a bank and get a secured loan, where the loan amount is secured by a deposited amount that you can not touch. Typically they will put the deposited amount in a short term CD or one of the length of the loan. Works very well when one wishes to build up credit.

Forgot, rates are generally typical to the good credit rates, and you can ussually get one for at least 100% of the secured amount.