Sau ceva de genul. Posibil sa nu aiba nici o legatura, dar alta idee nu-mi vine! :-)
Din cate vad, nici in romana nu prea avem referinte pe google.
Raspunsul meu se bazeaza pe evidenta asociere "cameleon"=schimbare, de unde deduc ca este de fapt vorba despre o linie de credit cu dobanda variabila si care nu trebuie sa fie sprijinit de o ipoteca.

http://en.wikipedia.org/wiki/Signature_loan

http://www.google.it/search?hl=it&q="floating rate unsecured...

http://books.google.it/books?id=J_gFlK5kSeEC&pg=PA130&lpg=PA...

The line of credit can be secured (with specific assets pledged against it) or unsecured; it can be fixed-rate or floating;it can be fixed rate or floating;and the underlying note can be a demandnote or fixed term.

http://www.buzzle.com/articles/how-does-a-line-of-credit-wor...
A line of credit is the maximum amount that is extended by a financial institution to its clients for business or personal reasons. A line of credit is preferred by businesses and individuals since interest is charged on the amount used, rather than the amount sanctioned. It provides the benefit of borrowing upto a certain limit for a pre-determined period of time, without having to apply for loans on a continuous basis.

Both business and personal lines of credit, can be secured or unsecured. A secured line of credit is backed by a collateral and in case of default, the lending institution confiscates the collateral. An unsecured line of credit is not backed by a collateral. In case of an unsecured line of credit, the credit history of the borrower and credit scores assume a great deal of importance. It is generally difficult to obtain an unsecured line of credit and the interest rate charged on it is also high. Both secured and unsecured personal and business lines of credit generally have a variable interest rate structure.

http://www.buzzle.com/articles/unsecured-line-of-credit.html
http://www.fultonbank.com/viewpage.asp?n=1442
Unsecured
An unsecured loan can help pay for home improvements, a vacation, college tuition, or any other expense. You can also use an unsecured loan to consolidate your credit card debt. Call, click or visit today for more information!

Advantages:
No collateral required
Affordable payments

OptionLine - Unsecured Rates
Description APR
OptionLine - Unsecured - Tier 1 4.49%
OptionLine - Unsecured - Tier 2 6.99%
OptionLine - Unsecured Disclosure
The product is an unsecured variable rate line of credit.

Tier 1 - The advertised 4.49% APR (Annual Percentage Rate) applies to new lines of credit of $5,000 or more and automatic deduction of payment from a Fulton Bank deposit account. The APR will be based on the Wall Street Journal Prime (WSJP) as published daily plus 1.00%, or the minimum APR of 4.49%, whichever is greater.

http://www.google.it/search?hl=it&q="unsecured variable rate...

http://www.hudsonvalleybank.com/index.asp?page=1037
http://www.investopedia.com/terms/f/frn.asp