For customers who are intending to take out unsecured loans at banks. But they have the same question that should Which bank is the easiest to get unsecured loans? now? Which bank’s terms and procedures are simple and fast? To be able to answer yes everyone fully on this question. Please join us to learn the article below.

Find out what is a bank unsecured loan?

People can understand the form of a bank unsecured loan and the way you borrow without collateral. With this form, customers will be able to borrow under the guarantee of the workplace. The guarantee of a family member or the average monthly income of the customer.

To be able to proceed with unsecured loans at the bank and get quick approval. You will need to meet the following factors: Credit history, Labor contract, ID document, Business license, …

Unsecured loan packages of banks have a rather high maximum limit. Can be suitable and meet the needs of customers such as buying a car, shopping, retail grape business, …

Advantages of unsecured loan packages at banks

When registering for unsecured loan packages at the bank. Everyone will receive the following incentives:

  • When borrowing, there is no need to mortgage collateral.
  • The application and registration process takes only 1 to 3 days, does not take much time and is relatively easy.
  • Borrowers do not need to prove the purpose of using the loan amount with the bank.
  • The maximum limit of the high unsecured loan package is 500 million.
  • Customers can take the initiative in planning debt repayment. Flexible period from 6 months to 5 years.
  • The settlement of documents can be done at any time.
  • Be advised by a staff of extremely experienced banks.

What are the terms and conditions of a bank loan?

To get a loan from a bank. Everyone needs to meet the conditions and procedures that the bank has set forth. So what are the banking terms and procedures? Please refer to the section below.

Conditions for unsecured bank loans

Most banks now apply these conditions to their borrowers. To apply for a bank loan, the following conditions must be met:

  • Customers are Vietnamese citizens.
  • Females are 18 to 60 years old, men are 18 to 65 years old.
  • Live or work in the place where the bank branch is located.
  • Borrowers have stable incomes, ensuring their ability to repay loans to banks.
  • No bad debt at other banks and credit companies.

Procedures for unsecured loans at banks

When applying for a loan at a bank, you need to prepare the following documents:

  • Loan application form according to the form of the lending bank.
  • Personal identification documents include: ID card or CCCD.
  • Household registration book / Temporary residence book (KT3)
  • Proof of personal income for the last 3 months of the borrower.
  • Or the labor contract, working papers between you and the workplace.

Which bank’s unsecured loan is the easiest today?

If you are still wondering which banks give the easiest loans. Here, you can refer to the Top 5 easiest banks to lend money to Vietnam below.

Techcombank unsecured loan

Techcombank is no longer a stranger to current bank account customers. When applying for unsecured loans at Techcombank. Customers will have an interest rate of 18%/year. This bank is rated as a bank with relatively low interest rates.

Besides the interest rate, the bank now does not require too many conditions and procedures to apply for a loan. But everyone needs to ensure a monthly income of 5 million VND or more. To ensure the solvency of the bank.

Techcombank has a maximum loan limit of 300 million VND. With a loan term that can be up to 6 – 60 months, customers can be flexible in repayment.

Vietcombank unsecured loan

Loan limitDurationInterest rate
500 million wonCan be up to 60 months15% per year, calculated according to the reducing balance.

Vietcombank is a large leading bank in Vietnam. The bank’s lending products and services have been positively evaluated by many customers so far. And along with that are the most attractive incentives in the lending market by banks.

Customers can apply for unsecured loans without collateral. And conditions as well as documents related to fast branch loans are approved in just 1 to 3 days.

» Vietcombank unsecured loan conditions

TPBank unsecured loan

Loan limitDurationInterest rate
300 million wonCan be up to 48 months7.2% per annum, calculated on a declining balance.

Compared to the banks above, TPBank is not a big bank. But the bank’s products and services are also very quality. And the conditions and procedures of TPBank are extremely simple. The loan success rate at any bank is very high.Which bank is the easiest to get unsecured loans?

To support customers can proceed to borrow money quickly. People can refer to how to borrow money under life insurance or according to payroll. This is the easiest way to borrow money today for TPBank.

Unsecured loan from BIDV bank

Loan limitDurationInterest rate
500 million wonCan be up to 84 months11.9% year for overdraft.

BIDV is one of the four largest banks in the country. This bank has brought customers the best services today. Always at the forefront of the banking and financial sectors. Interest rates and benefits when borrowing at a bank are extremely large.Which bank is the easiest to get unsecured loans?

When customers take unsecured loans at VPBank. So the process of applying for a loan package at the bank will also be done quickly. Bank disbursal time is only 2 to 3 days.

» BIDV’s unsecured loan process

Unsecured loans from Vietinbank

The last list that we would like to introduce to you is Vietinbank. But the products and services of this bank are very popular with customers. Especially, the loan application process is very quick.Which bank is the easiest to get unsecured loans?

With a number of conditions when borrowing from a bank stipulation and a relatively low interest rate. This is probably the bank that deserves to be on the list of the best and easiest banks to lend today.

Should I get a loan from a bank?

The need for shopping, … and many other daily life needs. If people can’t borrow the relatives around. Unsecured bank loans are the optimal choice for banking and finance today.

When taking a loan at a bank, there will always be preferential programs for customers. And support many types of loans, so that customers can choose a loan package that suits their needs. Interest rates and fees will be announced by the bank on its homepage, so customers can be completely assured.


This article will answer your question Which bank is the easiest to get unsecured loans? now. Top 5 banks that support customers to get quick and simple branch loans. Hope the above information will be helpful to everyone. Thank you for reading the article of



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