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Summary: An instant unsecured personal loan is a collateral-free loan, that can be quickly obtained, for urgent financial needs. With a wide variety of such loans available today, you can opt for a smart personal loan, that offers minimal documentations and steps in the application process, and swift approvals.
Unsecured loans are a type of loan that does not require the borrower to provide any collateral or asset as security to the lender. Instead, the loan is issued based on the borrower's creditworthiness, taking factors such as their income, credit score, financial history, and repayment ability into consideration.
Since there’s no collateral backing the loan, lenders consider unsecured loans riskier, which often results in slightly higher interest rates compared to secured loans.
Personal Loans: The most common type of unsecured loan, personal loans are used for various personal needs. They are offered by banks and financial institutions.
Credit Card Loans: Borrowing a specific amount directly from your credit card balance is called a credit card loan. They are often referred to as cash advances.
Business Loans: Collateral-free loans granted to small businesses or startups without , primarily for operational needs.
To avail FIRSTmoney unsecured loan, applicants must meet the following criteria:
If you fulfil these criteria, you can apply for a FIRSTmoney smart personal loan from IDFC FIRST Bank instantly, which can be a better decision than opting for a regular unsecured personal loan. Wondering why? Read on to learn the features of the FIRSTmoney loan.
The FIRSTmoney loan offers various benefits over a standard Personal Loan. These include:
FIRSTmoney offers repayment tenures from as short as two months to as long as 60 months at affordable interest rates starting at 10.99% per annum. Provision of a wide range of repayment tenures allows you to select a repayment plan that matches your financial situation best.
To apply for a FIRSTmoney loan, follow these simple steps:
Once your loan offer is approved, you can start using the funds as per your requirements and withdraw funds either in instalments or in one go.
IDFC FIRST Bank’s FIRSTmoney shines as a smarter option than regular personal loans, thanks to its appealing features and adaptable terms. It stands as a suitable choice in the market catering to diverse needs. This financial solution paves the way for greater flexibility and control over your personal finances. Seeking such an unsecured personal loan with good credit is essential, so try maintaining a credit score of 730 and above. Doing so can notably enhance the chances of instant loan approval.
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.