Phone in hand - receive immediate support of up to 10 million Vietnamese dong through the Cashberry app

Cashberry - quick, convinient 24/7 online loans solution

CashBerry is a financial company, providing an online loan consultation service that is fully automated, disbursed within the day.

Loan term, days

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Payment date: 1
To return: 1 ₫

The conditions for applying for a loan at Cashberry

4 easy steps to register for a loan

1
Filling in the registration form
Provide a phone number and fill in personal information. Register and send request for a loan.
2
Getting approval and Signing an Agreement
The approval results will be anounce via phone call. Only need to log in to Personal account and sign an Agreement.
3
Receive money
After the application is approved, our partner will transfer the money to your account.
4
Repayment
Make repayment to our partner according to the instructions.
Loan
Loan
with flexible terms at CashBerry
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum
Get loan
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum

Unsecured loans - loans without collateral. Customers can borrow up to 500 million VND with interest rates from 1.5% - 1.7%/month. So how to get a loan?

With the development of society, the demand for consumer loans to improve the quality of life is increasing. Besides mortgage loans, unsecured loans via salary, customers can borrow money without collateral , without proof of income. This is a loan product suitable for self-employed customers who cannot prove their actual income.

What is an unsecured loan , what is the interest rate of the unsecured loan, how to get a loan without collateral? Please follow the content below!

What is an unsecured loan?

An unsecured loan is a form of loan without collateral, the lender relies on the customer's reputation to approve the loan application. This is a form of lending widely deployed at banks and financial companies.

Benefits of an unsecured loan

● Simple and fast loan procedure, no collateral required      

● High loan amount, up to 500 million VND (with conditions that you can prove your income and ability to repay)      

● Flexible loan period up to 36 months             

● Quick disbursal within 24 hours after application verification             

● Competitive lending interest rates with diverse loan methods.             

Unsecured loan interest rate

Currently, the interest rates for quick unsecured loans without proof of income at banks, credit companies apply 1.4%, 1.66%, 2.17%, and 2.95%. The interest rate depends on the loan and customer profile.

7 Ways to borrow without collateral, without proof of income

In order to meet the demand for unsecured consumer loans of the people today, many banks and financial companies support loans in different forms. The most prominent is the form of online loan by ID card.

Borrow money quickly via ID card online

Fast online loans, also known as online loans without meeting, are mainly process through websites or applications (apps) to borrow money online. Accordingly, borrowers do not need to meet in person to make a loan application, but only need to fill in the required information on loan websites/apps.

This is an unsecured loan without proof of income. The lender only requires the borrower to provide a personal photo with ID card and no need to provide any other documents.

Once approved, the loan will be transferred directly to the borrower's bank account or e-wallet.

* Advantages

● Help customers solve their financial needs immediately with small amounts of money      

● Many financial companies support      

● No need to prove income, no collateral      

● Convenient, no need to meet, can apply from home      

● Simple procedure, just need ID card to get a loan      

● Quick disbursal time, receive money after 5 minutes, the latest is 24 hours      

● Easy payment via e-wallet, bank transfer or payment through collection points.      

* Disadvantages

● Low loan limit from 500,000 VND – 10,000,000 VND      

● Short loan period, usually from 7 to 30 days      

● Higher interest rates than other forms of unsecured loans.      

* Loan conditions

● Be a citizen of Vietnam      

● Age from 20 to 60 years old      

● Have a stable job (no appraisal)      

● ID card under 15 years, not torn, blurred number.      

Among online loan providers, CashBerry is one of the leading financial companies, highly appreciated by many customers for its service quality and disbursement speed. At CashBerry , just register a account within 15 minutes, you can receive money within the day.

Apply for an unsecured loan at CashBerry to receive money immediately ! 

Borrow money by sim card

Borrowing money by sim card is the most simple, easy and fast form of unsecured loan today. Borrowers do not need to mortgage assets, do not need proof of income or guarantors, just meet the condition that the owner of the sim card is able to get loan support.

Currently, there are network operators such as Viettel, Mobifone and Vinaphone that support loans in this form.

* Advantages

● Just ID card and household registration      

● No need for home and company appraisals      

● Borrow money without collateral, without proof of income      

● High loan limit, up to 70 million VND      

● Low interest rate from only 1.4%/month      

● Flexible loan period from 6-36 months      

● Quick appraisal and disbursement.      

* Loan conditions

● Vietnamese citizens aged between 22 - 60 years old      

● As the owner of a sim subscription that has been used for more than 6 months, the sim works two-way and does not owe the subscription fee      

● No bad debt at any bank or financial institution.      

* Loan procedure

● ID card       

● household register      

● Genuine sim card      

● 3×4 photo.      

Borrowing with household registration book

Borrowing money with household registration book is a form of unsecured loan that customers do not need to mortgage or prove their income. Accordingly, customers only need to provide the household registration book and the original ID card to the bank or financial company.

* Characteristics

● Borrowers do not need to mortgage assets or prove income, just provide ID card and household registration book      

● Preferential loan interest rate 20%/year      

● Loan up to 70 million VND      

● Flexible loan period from 6 to 24 months      

● Quick disbursal time, from 3-7 days.      

* Condition

● Vietnamese citizen, age 20 - 60 years old      

● Have a stable income      

● Living in provinces that have loan support companies

● No bad debt at the bank or financial company      

* Documents for registration

● Original ID card      

● household register book      

● Proof of residence: temporary residence book, original KT3      

Borrowing with vehicle registration

Borrowing money with vehicle registration is a form of unsecured loan for customers who own two-wheeled vehicles. You only need to provide the necessary documents to be able to get a loan without leaving a vehicle or vehicle documents.

With this form, a bank or credit institution will lend up to 90% of the vehicle's value, depending on the vehicle manufacturer and the number of years it has been used.

* Advantages

● Support both scooter and gear vehicle      

● Support motorbikes purchased from 02 months to 8 years      

● No need to mortgage assets (except for loans at F88)      

● Loan up to 50 million VND     

● Quick application verification time      

● Low interest rate, only from 2% per month      

● Installment period from 06 to 36 months      

● Confidentiality of borrower information.      

* Disadvantages

● Vehicles with a current value of less than 15 million won't be supported for loans      

● Loan limit cannot exceed 50 million, if you want to borrow more, you must choose another loan product.      

* Loan conditions

● Vietnamese citizen, age 20 - 60 years old      

● vehicle registration      

● No bad debt at any bank or financial institution.      

* Documents for registration

● ID card, passport      

● Original household registration book or a notarized photocopy of full 16 pages      

● Certificate of registration of motorcycles and motorbikes.      

Borrowing with life insurance policy

You can easily get an unsecured loan without collateral when owning life insurance. Because the average cost of life insurance is 30-50 million VND/year, and you have been assessed as a group of customers with good financial potential.

Currently, there are financial companies like Mirae Asset, Easy Credit that lend money without proof of income based on life insurance policies of insurance companies such as Prudential, Manulife, Bao Viet, AIA, etc.

* Advantages

● No need to prove income, no collateral      

● Flexible and preferential loan interest rate from only 2.92%/month      

● The loan amount is high, you can borrow 100 times the insurance premium      

● Flexible loan period from 6 to 36 months.      

● Quick appraisal and disbursement time      

● Loans can be repaid early     

* Condition

● Vietnamese citizen, age 20 - 60 years old      

● Have a stable income to ensure the ability to repay the debt (no need to prove it)      

● The borrower or the borrower's spouse is the name of the Buyer on the Life Insurance Policy.      

● Insurance policy purchased for 12 months or more      

● Annual insurance premium from 2 million VND      

● Customers have no bad debt at any banks or financial institutions.      

* Procedure

● ID card      

● Household book (original) or notarized photo with full 16 pages      

● Life Insurance Policy      

● The most recent recurring premium payment receipt.      

Borrowing with electricity and water bills

Borrowing with electricity and water bills is an unsecured loan product based on customers' domestic electricity bills. This type of loan requires the borrower to provide an official electricity bill (accept the spouse's name on the bill). The financial company will base on the customer's personal information as well as the amount on the electricity bill to offer the loan.

Depending on the value of the electricity bill more or less, financial companies will apply different interest rates. You should also consult multiple lenders. However, the interest rate will usually range from 1.6% to 2.95%.

* Advantages

● No collateral, no need to prove income      

● High loan limit, up to 40 times the average monthly electricity bill, up to 60 million      

● Low interest rate from only 1.6% per month      

● Flexible loan period from 6 to 36 months      

● No processing fee.      

* Condition

● Vietnamese citizen, age 20 - 60      

● Have a stable income to ensure the ability to repay the debt (not need to prove)      

● The customer is named on the bill and currently lives at the address on the bill      

● Minimum average value of Electricity Bill in the last 3 months is 300,000 VND      

● Customers have no bad debt at any banks or financial institutions.      

* Procedure

● ID card, photo      

● Original or notarized household registration book with full 16 pages      

● Electricity bill of the last 3 months      

Borrow money in installments according to business license

This is a form of loan without proof of income for customers who are business households who have a business license for more than 6 months, are doing business stably and want more capital to expand or develop.

* Advantages

● Simple and easy loan procedure, just need to own a business registration license      

● No need to mortgage collateral      

● Relatively high loan limit, up to 200 million dong      

● Quick disbursal time, only after 1 working day      

● Flexible installment period from 6 to 36 months (can be extended)      

● Completely secure personal information.      

* Loan conditions

● Customers are business owners in markets, handicraft villages with business period of 12 months or more      

● Age: from 25-65      

● Have a permanent/temporary residence in the same province/city where the lender is located      

● Have a stable income, be able to repay the debt      

● Having a business license in accordance with Vietnamese law.      

* Procedure

● Loan application form according to the form of the lender      

● Copy of ID card/Household book/Equivalent document      

● Income, no proof of income is required.      

It can be said that with the above 7 types of loans, depending on the ability and needs of each individual and the conditions of the lender, you can make the right choice.

On the other hand, if you want to borrow unsecured loan to build a house , unsecured business loan , you can refer to the blog section of cashberry.vn.

Notes on unsecured consumer loans

To make an effective loan decision, you need to keep the following in mind:

- Choose the right type of loan

Each form has its own advantages and disadvantages. Therefore, you need to consider and choose the appropriate form. If you want to get a quick loan within a day, the online loan with ID card is the most suitable.

- Find out the interest rate, limit and loan period

● Interest rate: Each unit will have a different interest rate, which will normally be issued and agreed upon before signing a customer contract.      

● Loan Limit: The loan amount will depend on the borrower's needs and the lender's approval.      

● Borrowing period: Directly affects the borrower's monthly recurring payment amount. Therefore, you need to carefully consider and choose the loan period to reduce financial pressure and be more proactive in repaying the loan.      

- Check the information on the loan contract

Before signing a loan contract, check the information on the contract to avoid unnecessary errors. In addition, in the loan contract, there are always provisions on the obligations and responsibilities of both the borrower and the lender. Therefore, you need to read these carefully before deciding to sign the consent.

- Do not borrow more than the amount beyond the payment limit

You should only borrow money that is within your ability to pay and balance your expenses appropriately. If you borrow more than you can afford, you will have a bad credit history and this will make it difficult for you to get a consumer loan at any financial institution in the future.

Therefore, carefully consider the appropriate loan, repay it completely and on time. Take a consumer loan only when you have a stable source of income.

Above is information about unsecured loans , without proof of income that CashBerry shares with you. Hopefully with this information, you can choose a loan product that suits your needs and conditions.

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