Wells Fargo, a trading bank, is an example of an American bank that offers personal loans secured by charges against clients' cars, according to the company's official website. OneMain Financial, another bank, also provides personal loans in which cars act as collateral, notes its website.
EZPawn is a pawnbroker that also offers loans secured against cars. In some cases, it requires that the client leave the vehicle with the broker until the client can repay the loan in full. A loan secured against a vehicle is normally subject to a lower interest loan than an unsecured loan, explains EZPawn's website.