💳 Low CIBIL Score? Here’s How You Can Still Get a Personal Loan in 2025
📅 Updated: May 2025
✍️ Published by: Vizzve Financial
🤔 What Is a CIBIL Score and Why Does It Matter?
Your CIBIL score is a 3-digit number ranging from 300 to 900, reflecting your creditworthiness. A score above 750 is considered ideal for getting easy loans from banks. But in 2025, over 40% of borrowers in India have scores below 650, and yet the need for urgent funds — for medical bills, education, or business — remains high.
Common reasons for low scores:
-
Missed EMI or credit card payments
-
High credit utilization
-
Lack of credit history
-
Loan defaults or settlements
🔓 Can You Get a Loan with a Low CIBIL Score?
Yes, it’s absolutely possible — especially with fintech platforms like Vizzve Financial that don’t rely only on CIBIL. Instead, we use:
-
📊 Alternate data (like utility payments, rent records, etc.)
-
🤖 AI-driven credit assessment
-
✅ Fast eKYC using Aadhaar + PAN
🛠️ How Vizzve Approves Low-CIBIL Loans
Unlike traditional banks, Vizzve’s smart loan engine analyzes more than just your past. We look at:
| Factor | How It Helps |
|---|---|
| Bank transaction history | Evaluates recent income patterns |
| Employment type | Salaried or self-employed? |
| Social proof | Verified references and address |
| Location | Geo-based risk scoring |