An example of commitment is getting into business with someone. I am simply not prepared to face that kind of commitment. However, the interest rate may be higher than in the case of a secured loan commitment, since no collateral supports the debt. Unsecured loans usually have a fixed minimum payment plan and an interest rate. The process of obtaining this type of loan often requires less paperwork and approval time than a secured loan commitment. Note: The obligation of a psychiatric institution is qualified as a civil obligation if it is not part of criminal proceedings. The civil obligation procedure is initiated by the patient, in the case of voluntary recruitment or by someone (family member or government official) legally entitled to request the involuntary engagement of the patient. .