light bill loan

Electricity bill cannot be a copllateral security, and if a lender is granting loan on that basis he eiither should be rowdy element whoi knows how to recover the loan or the lender is indulging in false and illegal activity just to trouble the perso. You have not given any details hence no furrther opinion can be rendered withiout knowing the details.

I do not think any financier shall lend money for payment of electricity bill.