What CIBIL score do lenders want?
Most lenders look for a score of 650–700 or above to sanction a personal loan with favorable terms. A stronger score helps you access lower interest rates and higher loan amounts. Once your score is in range, explore FinGrowth personal loan options matched to your profile.
Score bands and loan access
- 750+ : Best rates and quickest approvals
- 700–749 : Good chances with standard offers
- 650–699 : Possible approval with higher charges or co-applicant
- Below 650 : Consider improving your credit or smaller loan options
How to improve your CIBIL score before applying
- Pay EMIs and credit card balances on time each month.
- Keep credit utilisation below 30%.
- Correct any errors on your credit report.
- Avoid multiple loan applications within a short period.
