Need urgent cash but don’t want to risk your home, land, or gold? Good news — not all loans require collateral.
At Vizzve Finance, we make sure your financial needs are met without risking your assets.
Here are the top 5 types of unsecured loans available in India you can get easily in 2025:
✅ 1. Personal Loans
Use for: Medical emergencies, weddings, vacations, debt consolidation, or daily needs.
Loan Amount: ₹10,000 to ₹25 lakhs
Why It’s Great: No restrictions on usage + quick approval
Vizzve Tip: A good credit score gets you better interest rates.
✅ 2. Education Loans (Without Collateral)
Use for: Higher education in India or abroad
Loan Amount: Up to ₹7.5 lakhs without collateral (under government schemes)
Why It’s Great: Government support + moratorium periods
Vizzve Tip: Apply under the Credit Guarantee Fund for Education Loans (CGFSEL) for collateral-free options.
✅ 3. Business Loans for Startups or MSMEs
Use for: Expanding your business, purchasing inventory, marketing, or staffing
Loan Amount: ₹50,000 to ₹1 crore depending on lender
Why It’s Great: Government schemes like MUDRA, CGTMSE offer no-collateral loans
Vizzve Tip: Maintain clean business records and GST filings for approval.
✅ 4. Credit Card Loans (Pre-Approved)
Use for: Short-term cash flow, emergencies, urgent purchases
Loan Amount: Depends on your credit limit
Why It’s Great: Instantly available as an add-on loan
Vizzve Tip: Don’t confuse it with regular swipes — this is a loan on your card with EMI options.
✅ 5. Consumer Durable Loans
Use for: Buying appliances, electronics, furniture, gadgets
Loan Amount: ₹5,000 to ₹5 lakhs
Why It’s Great: No security + 0% EMI in many cases
Vizzve Tip: Always read the fine print for processing fees or hidden charges.
Why Go for Unsecured Loans via Vizzve Finance?
💸 No Collateral Needed
⚡ Fast Approvals
📱 100% Digital Process
🔒 Safe, Transparent & RBI-Compliant
💬 Human Support When You Need It
FAQs
Q1: What is an unsecured loan?
An unsecured loan is a loan you can get without providing assets like property or gold as collateral.
Q2: Are unsecured loans safe?
Yes, as long as you choose RBI-compliant lenders like Vizzve Finance, they are 100% legal and safe.
Q3: Will I get a loan with a low credit score?
You may still qualify, but interest rates could be higher. Vizzve helps even low-score borrowers find suitable options.
Q4: How fast can I get a collateral-free loan?
With Vizzve, most loans are approved within 24–48 hours, depending on eligibility.
Conclusion: You Don’t Need Assets to Access Money
Not having collateral doesn’t mean your financial goals have to wait.
With Vizzve Finance, you get the support, speed, and flexibility you need — asset-free.
Apply smart. Borrow safe. Grow free.
Published on : 28th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed