Loan Rejected Due to Low CIBIL? Here’s What You Should Do Next

❌ Loan Rejected Due to Low CIBIL? Here’s What You Should Do Next (2025 Guide)

📅 Updated: May 2025
✍️ Published by: Vizzve Financial

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💡 Why This Blog Is Trending

In 2025, a large number of personal loan applications are still being rejected due to CIBIL scores below 650. Whether you’re a salaried person, gig worker, or first-time borrower — a rejected loan application can be frustrating and confusing.

This blog will help you understand why your loan was rejected, what steps to take next, and how Vizzve Financial can still help you get approved even with low or no CIBIL.

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❓ Why Was My Loan Application Rejected?

Common reasons include:

• 🔻 Low CIBIL score (Below 650)

• 📉 Missed or delayed payments in past loans/EMIs

• 🧾 No credit history (New to credit)

• 📊 High credit utilization or too many loans

• 🚫 Multiple loan applications in a short time (increased inquiries)

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✅ What to Do After Your Loan Is Rejected

Here’s a step-by-step recovery guide:

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1. 🧠 Don’t Reapply Immediately

Reapplying too quickly increases hard inquiries, which can lower your CIBIL further.

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2. 🔍 Check Your CIBIL Report

Visit cibil.com to download your latest credit report and identify:

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• Payment history issues

• Loan defaults

• Discrepancies in personal info

• Overused credit cards

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3. 💼 Apply with a Flexible Lender like Vizzve

Vizzve Financial offers alternate-data-based approval using:

• Bank statements

• Aadhaar + PAN

• UPI or income patterns

• App usage, rent payments, etc.

Even if you’re rejected by banks or large NBFCs, Vizzve can help you get approved.

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🔄 How Vizzve Approves Loans Even with Low CIBIL