Low CIBIL Score Par Loan Kaise Milega – LoanSathi Solution | Loansathi.in
Low CIBIL Score Par Loan Kaise Milega – LoanSathi Solution
Loansathi.in ke experts kehte hain – agar aapka CIBIL Score 600 ke aas-paas ya usse neeche hai, to bhi loan mil sakta hai, bas approach aur documentation sahi hona chahiye. Yah blog aapko samjhayega ki low credit score ke bawajood approval kaise mil sakta hai aur aapko kin cheezon par dhyaan dena chahiye.
► CIBIL Score Kya Hota Hai?
CIBIL score ek 3-digit number hota hai jo aapke credit behaviour ko represent karta hai. Ye 300 se 900 tak hota hai. Jitna score zyada hota hai, utna lender ke liye risk kam hota hai.
- • 750+ — Excellent (Fast approval)
- • 650–749 — Good (Eligible for most loans)
- • 550–649 — Average (NBFCs accept kar sakte hain)
- • 300–549 — Weak (high rejection chances)
► Low CIBIL Hone Par Kya Problem Hoti Hai?
Low CIBIL hone par banks applicant ko “high risk” borrower mante hain. Iska matlab hai unhe lagta hai ki applicant repayment delay kar sakta hai.
— But good news ye hai ki low score ke bawajood bhi loan milta hai — bas sahi lender aur approach zaruri hai.
► Step-by-Step Solution – Low CIBIL Score Par Loan Kaise Mile
Step 1: Apni Credit Report Check Karein
• Apni CIBIL report free download karein aur dekhein ki score low hone ka reason kya hai — missed EMI, credit card overuse, ya enquiry zyada hone ki wajah se.
• Agar koi galti dikhe (wrong account entry, duplicate loan, ya closed loan active dikh raha ho) to CIBIL par online dispute raise karein.
Step 2: Pending Dues Clear Karein
• Agar koi EMI pending hai to sabse pehle clear karein — Banks aur NBFCs repayment history dekh kar hi decision lete hain.
— Loansathi.in par kuch lenders aise bhi hain jo low CIBIL walon ko bhi consider karte hain agar dues settle ho chuke ho.
Step 3: Documents Ready Rakhein
Documents complete hone par approval ka process fast hota hai.
— Common Required Documents:
- • Aadhaar Card & PAN Card (Valid ID)
- • Salary Slip (Last 3 months)
- • Bank Statement (Last 6 months)
- • Residence Proof (Electricity bill / Rent agreement)
Step 4: Right Lender Choose Karein
Har bank low CIBIL applicants ko accept nahi karta. Lekin NBFCs aur digital lenders flexible eligibility offer karte hain.
Loansathi.in par registered 150+ lenders me se kuch specialised lenders aise hain jo 600 se neeche score par bhi Instant Loan aur Quick Loan provide karte hain.
Step 5: Co-Applicant Add Karein
• Agar aapka score low hai, to ek co-applicant (family member) add karne se approval ke chances double ho jaate hain.
• Co-applicant ke high credit score se aapka overall risk level kam hota hai.
Step 6: Secured Loan Consider Karein
Low CIBIL walon ke liye best option hota hai secured loan, jisme aap collateral (FD, gold, property) ke against loan lete ho.
• Home Loan aur Business Loan secured category me aate hain.
Step 7: High-Interest Short-Term Loan Se Start Karein
• Pehle short-term small loan lein (3–6 months tenure). Agar aap regular EMI pay karte rahein, to score 50–70 points tak improve ho sakta hai.
Step 8: New Loan Apply Karne Se Pehle Wait Karein
• CIBIL update hone me 30–60 days lagte hain. Rejection ke turant baad apply na karein — 2 mahine rukkar apply karna safe hota hai.
— Patience aur consistency se CIBIL recover hota hai, aur agla loan approval fast milta hai.
► Kaunse Loan Type Aapke Liye Sahi Rahenge (Low CIBIL ke Liye)
- • Instant Loan — 24–48 hrs approval
- • Quick Loan — Minimum documents
- • Personal Loan — CIBIL relaxation available
- • Business Loan — Income-based eligibility
- • Education Loan — Co-applicant based approval
Trusted Tips by Loansathi.in Experts
— CIBIL Score improve karne ke liye sabse zaruri hai timely EMI aur credit limit ka discipline.
— Credit card utilisation 30% ke andar rakhein. — Old credit cards ko band na karein, wo history build karte hain. — Loansathi.in par registered verified lenders se apply karne par approval rate high hota hai.
Loansathi.in par ek hi application form bhar kar multiple lenders ke options compare kar sakte hain — jisse aapka CIBIL aur approval dono balance mein rehta hai.
