When we think of personal loans, emergencies come to mind first. But did you know that personal loans are highly versatile and can support various non-emergency goals too?
At Vizzve Finance, we help you access personal loans that go beyond just crisis funding. Here are the top 7 smart ways to use personal loans — that aren't emergencies.
📋 1. Debt Consolidation
If you're juggling multiple credit card payments or small loans, consolidate them into a single personal loan. This helps you:
Pay lower interest overall
Track one EMI instead of many
Improve your credit score with timely repayment
🏠 2. Home Renovation
Want to redo your kitchen, upgrade interiors, or fix structural issues? A personal loan can fund:
Painting and repairs
Furniture and fittings
Modular kitchens or smart home devices
No collateral needed, unlike a home equity loan.
🎓 3. Skill Development or Certification Courses
Pursuing a short-term course, professional certification, or upskilling program? Use a personal loan to:
Pay course fees
Buy learning tools (laptop, software)
Cover living costs during the program
Perfect for freelancers, IT professionals, or career switchers.
💍 4. Wedding Expenses
Indian weddings can cost a fortune. Instead of breaking your savings:
Use a personal loan for venue booking, catering, jewellery, décor, etc.
Repay over time with flexible EMIs
Avoid the high interest of credit cards
🌍 5. Travel or Dream Vacation
Always wanted a Europe tour, Maldives honeymoon, or backpacking adventure? A travel loan (a type of personal loan) covers:
Flight tickets and hotels
Tour packages
Forex, insurance, and visa costs
Use Vizzve to compare low-cost travel loans instantly.
🛍️ 6. Big-Ticket Purchases
Need a new laptop, smart TV, bike, or high-end phone? A personal loan helps:
Avoid dipping into savings
Enjoy no-collateral EMI option
Choose better-quality items without financial stress
🚀 7. Small Business or Side Hustle Funding
Launching an online store, freelancing setup, or home-based venture? Personal loans can help fund:
Website setup, inventory
Marketing costs
Equipment/tools
No business plan or assets required!
🧠 Pro Tip from Vizzve:
Before applying, always check:
Your credit score
Monthly EMI affordability
Compare multiple lenders (Vizzve does it for you instantly)
Understand interest rates, tenure, and hidden charges
🙋 FAQs
Q1. Is it wise to take a personal loan for non-emergency use?
Yes, if you have a repayment plan and use it for a productive or well-planned purpose.
Q2. Can I use a personal loan to pay off credit card debt?
Absolutely. It's one of the most efficient ways to reduce high-interest credit card debt.
Q3. What credit score is ideal for personal loan approval?
A score above 700 is recommended, but Vizzve helps even those with moderate scores find lenders.
Q4. How soon can I get a personal loan from Vizzve?
With Vizzve’s smart loan engine, approval and disbursal can happen within 24–48 hours.
Q5. Are personal loans from Vizzve collateral-free?
Yes. All personal loans offered through Vizzve are 100% unsecured.
published on 2nd july
Publisher : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.