Online loans are fast, easy, and completely digital. But one common question borrowers ask is:
👉 “Do I need to sign anything for an online loan?”
The short answer is YES — but not with a pen on paper. Thanks to e-signatures and digital consent, platforms like Vizzve Finance make the process simple and secure without the need to visit a branch.
Do You Need to Sign Anything?
Yes, you must agree to the loan terms, but in the digital format.
✅ You’ll typically sign:
Loan Agreement
ECS/NACH Mandate (for auto-debit)
Consent Forms for KYC and Credit Check
What Is an E-Signature?
An e-signature is a legally valid digital signature used to approve or authorize your loan agreement.
Types of e-signatures you may use:
OTP-based consent (linked to Aadhaar)
Digital signature via eSign platform
Biometric or thumb verification (rarely used)
💡 At Vizzve Finance, we use Aadhaar-based OTP verification, making your loan approval 100% paperless and secure.
Why Signing Digitally Matters
Digital signatures:
Ensure your legal consent is captured
Secure your loan terms for both lender and borrower
Are valid under the Indian IT Act, 2000
No signatures = No loan disbursal. Even if the process is digital, you must complete e-signing for your loan to move forward.
Online Loan Process at Vizzve Finance
📋 Apply online in minutes
🔍 Submit KYC & income docs
📨 Get sanctioned
🖊️ E-sign agreement + mandate
💸 Loan disbursed to your account
📌 Final Thoughts
You do need to sign loan documents for an online loan — but it’s all done digitally, through secure and legal channels. At Vizzve Finance, we’ve streamlined this process to give you a quick, safe, and hassle-free loan experience.
❓ Frequently Asked Questions:
Q1. Are digital signatures safe?
Yes, e-signatures used by platforms like Vizzve are encrypted and fully compliant with Indian laws.
Q2. What happens if I don’t e-sign the documents?
Without signing the digital agreement, your loan won’t be disbursed.
Q3. Is Aadhaar mandatory for e-signing?
Most platforms (including Vizzve) use Aadhaar-based OTP e-signing, so having Aadhaar is beneficial.
Q4. Can I get a loan without signing anything at all?
No. Signing (digitally or physically) is legally required for loan disbursal.
Q5. Will I get a copy of the signed agreement?
Yes, once e-signed, you’ll receive a PDF copy of the loan agreement via email or portal.
Published on : 22nd July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed