If you”re not a home owner, you might still be able to secure a relatively low interest rate personal loan if you use an item of value that you own as collateral, such as your car, your boat, stocks or bonds, or jewelry.Another credit card.Sure, the idea of getting yet another credit card might sound crazy and irresponsible. Booth, Webmaster of been business owner of Tech Selections selling consumer electronics and Nascar Fan Shop selling Nascar Collectibles since 0. About the Author By Margaret E.