Low credit score?
A low CIBIL score doesn’t have to stop you
We work with banks and NBFCs that look beyond the number — at your income, collateral and the full story. Check your options for free; it won’t affect your score.
How we help
Finding a lender when the score is low
The right lenders
We know which banks and NBFCs consider applicants with lower scores — and for which loan types.
Secured options
Loans against property or other security can open doors that unsecured loans can’t.
Co-applicant structuring
A family member with a stronger profile can improve eligibility and terms.
A stronger file
We present income, banking and the reasons behind past issues clearly and honestly.
Approval is not guaranteed. The final decision, rate and terms are set by the lender.
Free advice
Simple ways to improve your score
- Pay every EMI and credit card bill on time — payment history matters most.
- Keep credit card usage below about 30% of your limit.
- Check your credit report for errors and raise disputes with the bureau.
- Avoid applying with many lenders at once — each hard enquiry can lower your score.
FAQ
Low credit score questions
What credit score do I need for a loan?
Many lenders prefer 700–750+, but there is no single cut-off. Some banks and NBFCs consider lower scores, especially for secured loans or when income is stable.
Will you guarantee my loan if my score is low?
No — and you should be careful of anyone who does. Only the lender can approve a loan. What we do is match you with lenders most likely to consider your profile and help you apply properly.
Will the interest rate be higher?
Often, yes — lenders price for risk. We compare offers so you know the real cost, and we’ll tell you honestly if waiting to improve your score would save you money.