💳 Personal Loan vs Credit Card Loan – What’s Smarter in May 2025?
Published by: Vizzve Financial | May 2025
📈 Why This Is a Hot Topic in May 2025
Due to:
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🏦 Rising credit card APRs (up to 42% annually)
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💸 Expensive EMIs on revolving credit
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🔥 Growing need for urgent funds (heatwave, medical, travel, elections)
…borrowers are asking:
Should I take a personal loan or swipe my credit card?
Here’s a smart comparison to help you decide — and how Vizzve’s personal loans save you more.
🔍 Key Difference – Personal Loan vs Credit Card Loan
1. Interest Rates
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Personal Loan (Vizzve): Starting from 1.5%–2.2% per month
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Credit Card Loan: 3%–3.6% per month (36%–43% annually)
✅ Vizzve personal loans offer lower EMI & total cost
2. Loan Amount Eligibility
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Personal Loan: ₹10,000 to ₹2,00,000 (flexible)
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Credit Card Loan: Limited to card’s available credit
✅ Personal loans give more control & higher value than credit limits
3. Repayment Terms
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Personal Loan: Fixed EMI over 3–24 months
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Credit Card Loan: Revolving interest or short EMI plans with high prepayment charges
✅ Personal loans from Vizzve come with clear, flexible repayment
4. Documentation Required
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Personal Loan: Aadhaar + PAN (Vizzve), 100% online
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Credit Card Loan: No extra docs, but only offered to high-credit-score users
✅ Vizzve offers loans to self-employed, homemakers, gig workers – even without CIBIL
🟢 When Should You Choose a Personal Loan?
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✅ You need more than ₹25,000
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✅ You don’t want to pay 3–4% monthly on your credit card
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✅ You want fixed EMIs and a repayment plan
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✅ You don’t have a credit card or your limit is too low
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✅ You’re self-employed, a student, or homemaker
🧾 Vizzve Personal Loan Features – May 2025
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💰 Loan Amount: ₹10,000 to ₹2,00,000
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⏱️ Disbursal: Within 10–30 minutes
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🆔 Documents: Just Aadhaar + PAN
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💳 CIBIL: Not mandatory for loans under ₹25,000
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📲 100% Digital Process
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🧘 Zero stress, No bank branch visits
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🔐 RBI-approved NBFC partners
📊 EMI Comparison Example – ₹50,000 for 12 Months
| Type | Interest Rate (Monthly) | EMI Estimate | Total Payable |
|---|---|---|---|
| Vizzve Loan | 1.5% | ₹4,583 | ₹55,000 |
| Credit Card Loan | 3.5% | ₹5,420 | ₹65,000+ |