💳 Low CIBIL Score ke Bawajood
Personal Loan Kaise Le? [Ultimate Guide 2025]
Table of Contents:
- CIBIL Score Kya Hota Hai?
- Low CIBIL Score Ka Matlab Kya Hai?
- Low Credit Score ke Karan Personal Loan Kyun
Reject Hota Hai?
- Low CIBIL Score ke Bawajood Loan Kaise Milega?
- Best Options for Personal Loan with Low Credit
Score
- Top NBFCs and Fintech Companies Jo Low Score par
Loan Deti Hain
- CIBIL Score Improve Kaise Karein? (Pro Tips)
- FAQs on Low CIBIL Loan
- Conclusion
CIBIL Score ya Credit Score ek 3-digit
number hota hai (300 se 900 ke beech) jo aapki creditworthiness dikhata
hai. Ye score batata hai ki aapne pehle ke loans aur credit cards ka repayment
kaise kiya hai.
|
Score
Range |
Creditworthiness |
Loan
Approval Chances |
|
750 – 900 |
Excellent |
High |
|
650 – 749 |
Good |
Moderate |
|
550 – 649 |
Average |
Low |
|
Below 550 |
Poor |
Very Low |
2.
Low CIBIL Score Ka Matlab Kya Hai?
Agar aapka score 650 se neeche
hai to usse "Low Credit Score" maana jata hai. Iska matlab:
- Aapne EMI ya credit card payment me delay kiya
- Loan ka default hua
- Bahut saare unsecured loan liye
- Credit utilization zyada kiya
- Multiple loan applications ek sath kiye
3. Low Credit Score ke Karan Personal Loan Kyun Reject Hota Hai?
Bank aur NBFC ke liye credit score ek trust signal hai. Agar aapka score low hai to:
- Bank ko lagta hai ki aap default kar sakte hain
- Risk zyada hota hai
- Recovery me dikkat ho sakti hai
- Unsecured loan hone ki wajah se bank ko collateral nahi
milta
4.
Low CIBIL Score ke Bawajood Loan Kaise Milega?
Agar aapka credit score low hai, to
bhi aap kuch smart steps lekar personal loan le sakte ho:
🔹 1. Co-Applicant ke Saath Apply Karo
Agar aapke saath koi high CIBIL
score wala guarantor ya co-applicant ho to loan milne ke chances badh jaate
hain.
🔹 2. Collateral Based Loan Choose Karo
Aap secured personal loan le
sakte ho jisme aap gold, FD, property ko collateral ke roop me dekar loan lete
ho.
🔹 3. NBFC aur Fintech Platforms Try Karo
Kai NBFCs aur digital lenders low
CIBIL par bhi loan dete hain higher interest rate ke saath.
🔹 4. Salary Slip & Bank Statement Dikhaiye
Agar aapka income stable hai to aap
bank ko convince kar sakte ho ki aap repay kar sakte ho.
🔹 5. Kam Loan Amount & Short Tenure Select Karo
Agar aap kam amount aur chhoti
duration ka loan lete ho to approval chance badhta hai.
5.
Best Options for Personal Loan with Low Credit Score
|
Option
Type |
Description |
|
Co-signer Loan |
High-score guarantor ke saath loan |
|
Secured Loan |
Gold / Property / FD ke against
loan |
|
Peer-to-Peer Lending |
P2P platforms par personal loan |
|
NBFC Loan |
Bajaj Finserv, MoneyTap,
EarlySalary etc. |
|
Fintech App Loans |
Instant loan apps with low credit
filter |
|
Employer Loan |
Aapke employer ke through loan facility |
6. Top NBFCs and Fintech Companies Jo Low Score par Loan Deti Hain
✅
1. Bajaj Finserv
- Flexible loan plans
- Minimum documentation
- Existing customers ko priority
✅
2. MoneyTap
- Credit line facility
- Salary based approval
- App-based process
✅
3. CASHe
- AI based credit assessment
- Instant approval
- Short term loans
✅
4. EarlySalary (Now Fibe)
- Low CIBIL accept karta hai
- Fast disbursement
✅
5. KreditBee
- Students aur salaried logon ke liye
- ₹1,000 se ₹2 lakh tak loan
✅
6. Dhani
- Pan card aur aadhaar se loan
- Interest slightly high
⚠️ Note: In sab services ka APR
(Annual Percentage Rate) check karna zaroori hai. Kabhi kabhi processing fees +
high interest total loan ko mehenga bana deti hai.
7.CIBIL Score Improve Kaise Karein? (Pro Tips)
✅
1. Time par EMI aur Credit Card Bill Pay Karein
Late payment sabse bada negative
factor hota hai.
✅
2. Credit Utilization 30% se Kam Rakhein
Agar aapka credit limit ₹1 lakh hai
to ₹30,000 tak hi use karein.
✅
3. Old Credit Card Ko Close Mat Karo
Old accounts se credit history build
hoti hai.
✅
4. Mix of Secured & Unsecured Loan Rakho
Diversified credit profile maintain
karo.
✅
5. Regular CIBIL Report Check Karo
Galti ya fraud detect karne ke liye
report check karna zaroori hai.
8.
FAQs on Low CIBIL Loan
❓
Q1: Kya 550 CIBIL Score par loan mil sakta hai?
Haan, lekin secured ya co-applicant ke saath zyada chances hote
hain. NBFCs bhi approve kar sakti hain.
❓
Q2: Kya Fintech Apps safe hote hain?
Zaroori nahi. Sirf RBI registered
NBFC apps hi use karein. Privacy policy padhein.
❓
Q3: Kya credit score improve hone ke baad interest rate kam hota hai?
Yes. Better score = Better deals =
Kam interest rate.
❓
Q4: P2P loan kya hota hai?
Peer-to-peer lending me loan individual
investors se milta hai bina bank ke.
❓
Q5: Kya main ek sath kai loan apps par apply kar sakta hoon?
Nahi. Isse aapka score aur gir sakta
hai. Hard inquiry badh jaati hai.
🔚 Conclusion
Low CIBIL score hone ka matlab ye
nahi ki aap personal loan nahi le sakte. Aaj ke digital era me kai aise options
hain jahan se aap loan le sakte ho agar:
- Aapka income stable ho
- Aap co-applicant ya collateral provide karo
- Aap NBFC ya fintech lenders se contact karo
Lekin ye bhi yaad rakhein ki aise loans
high interest par milte hain, isliye hamesha repayment capacity dekh kar
hi loan lein. Saath hi apna credit score improve karna start karein, taki
future me aapko easily aur low interest par loan mil sake.
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