Discover personal loans are unsecured only, meaning you cannot offer up any sort of collateral to ensure you will not default on the loan. Some lenders offer secured loans for borrowers who have little or poor credit, so this may prove to be a difficulty for any borrower looking for a secured loan.

A cafeteria plan is a type of employee benefit plan offered in the United States pursuant to Section 125 of the Internal Revenue Code. Its name comes from the earliest such plans that allowed employees to choose between different types of benefits, similar to the ability of a customer to choose among available items in a cafeteria.

What’s more! ICICI Bank offers fresher funding loan to help you avail of a personal loan on your very first salary. With its pre-approved personal loan, the entire processing is completed in just a few minutes. So, hurry and check out the different types of personal loans we offer and apply for one today itself.

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A maturity date for a loan is when the original principal amount is due. The principal amount is generally the original amount agreed upon before extra fees. A maturity date is an important thing to keep in mind and to remember, since this is the date that the principal loan payments are due.

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Security Interest: A legal claim on collateral that has been pledged, usually to obtain a loan. The borrower provides the lender with a security interest in certain assets that can be repossessed.

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Personal loans are general purpose loans. You usually can use the funds at your discretion, but some lenders will restrict what you do with the money. You usually can use the funds at your discretion, but some lenders will restrict what you do with the money.

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Personal loan versus loan against credit card Credit card loan is an offer that you may be able to avail on your card. Such a loan is only applicable to specific cards and you can only approach your card issuer for a loan on it. When it comes to a personal loan, on the other hand, you can approach any lender.

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