without collateral
[wɪð'aʊt kə'lætərəl]
prepositional phrase / adjective
sem garantia / sem colateral
1. A loan or credit arrangement that does not require any asset pledged as security in case of default
The bank offered a personal loan without collateral to qualified customers.
O banco ofereceu um empréstimo pessoal sem colateral para clientes qualificados.
2. Financial transaction or agreement lacking security or pledged assets backing the obligation
This unsecured credit line is without collateral, based solely on creditworthiness.
Esta linha de crédito não garantida é sem colateral, baseada apenas na capacidade de crédito.
In Brazil, unsecured lending has grown significantly with the rise of fintech companies and digital banks that rely on alternative credit assessment methods rather than traditional collateral. The concept of 'empréstimo pessoal sem colateral' is now mainstream marketing language among financial institutions, reflecting evolving credit practices in the digital economy.
Related Idioms & Phrases
to lend without collateral
to get a loan without collateral
operating without collateral
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