secured loan

My credit is not good enough to get a loan and I am wanting to use the money to pay off some old debts to clean up my report. Can I get a secured loan with a bad or poor credit rating from my bank or any bank for that manner? And can someone explain to me how a secured loan works and what type of security is required? Thank you very much.
I have 2 late model vehicles that I owe no money on and are in great condition.
I REPORT SPAM!!!

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