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You will have to fill in an on line application form and provide evidence that you are in work and how much you earn per month, but that is normally all that is required particularly if you apply to a no faxing, low monthly payment lender.
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For instance, while applying for HDFC personal loan, there is no need to pledge any security or guarantor with the bank.
In case of secured bad debt personal loans a collateral must be pledged against the loan.
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