I think this would be a great gift especially that Christmas is very near plus you wont need any secured loans just to buy this. You can't get really small secured loans – for a loan to be secured, it has to be backed by collateral. So if you're looking to buy a house, or a car, then by all means you can get secured loans. However, if you're looking for a small loan of some quick cash, like to cover a flat tire or a trip to the doctor, then secured loans probably aren't the answer – for one, they don't come that small, and for two, the bank will take forever. In that case, you want something closer to a payday loan. A payday loan, as everyone knows, are small loans that don't required collateral, so they aren't secured loans.
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