A medical emergency isn’t just painful — it’s financially overwhelming.
Whether it’s a life-saving surgery or a critical procedure, time is everything — and funds are often the missing piece.
At Vizzve Finance, we’re here to make sure you don’t lose precious time searching for funds. Let’s walk you through the fastest loan options available in a crisis.
5 Fast Loan Options for Urgent Surgery
1. Instant Personal Loan via Vizzve
✅ Amount: ₹5,000 to ₹5 Lakhs
✅ Approval time: Under 10 minutes
✅ Disbursal: Same day
✅ Documents: PAN, Aadhaar, bank statement
Perfect for: Hospital deposits, emergency room bills, or surgery booking.
2. Medical Loan (No Collateral)
Specifically designed for treatment/surgery
May require medical proof or diagnosis report
Interest rates lower than standard personal loans
Vizzve Tip: Choose this if your hospital can share documents fast.
3. Pre-approved Loan (Based on Your Credit Profile)
If you’ve borrowed before and have a good repayment history
Instant disbursal possible with minimal steps
No extra documentation
Check pre-approval on the Vizzve dashboard instantly.
4. Digital Micro Loans (₹5,000–₹50,000)
Ideal for sudden ICU shifts, ambulance costs, or medicines
Quick approval even for gig workers and freelancers
No income proof needed in some cases
Best for: Hour-by-hour hospital needs.
5. Buy Now, Pay Later (BNPL) for Hospitals
Partnered hospitals or healthcare platforms may offer BNPL plans
Interest-free periods (15–45 days)
Available via certain Vizzve partners
Use this if the hospital allows digital credit integration.
Why You Should Avoid…
Gold loans: Require physical presence + time
Borrowing from unregistered apps: Risk of fraud & harassment
Delaying treatment due to funds: Medical bills grow fast — so does risk
What You Need to Apply Instantly (Checklist)
| Required | Purpose |
|---|---|
| ✅ PAN Card | Identity & credit history |
| ✅ Aadhaar | Address & KYC |
| ✅ Bank Statement | Income flow |
| ✅ Hospital Estimate | Optional, for larger loans |
| ✅ Mobile Number | Linked to Aadhaar |
FAQs
Q1. Can I get a loan within 30 minutes for surgery?
Yes. Vizzve offers instant personal loans with same-day disbursal.
Q2. Do I need a salary slip for a medical loan?
Not always. We accept bank statements, UPI history, or alternate income proof.
Q3. Can I repay after the surgery is done?
Yes. Choose flexible EMIs or 3-month moratorium based on the loan type.
Q4. What if I have a low credit score?
You may still qualify for a small-ticket emergency loan via Vizzve.
Published on : 23rd July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed