When applying for a personal loan, your CIBIL score can make or break your approval chances — and directly impact your interest rate, loan amount, and tenure.
Let’s break down how much CIBIL score you really need in 2025 and how Vizzve Finance helps even if your score isn’t perfect.
What Is a Good CIBIL Score for Personal Loans?
| CIBIL Score Range | Loan Eligibility | Comment |
|---|---|---|
| 750 – 900 | High | Fast approval, low interest |
| 700 – 749 | Moderate | Eligible, but with conditions |
| 650 – 699 | Low | May get smaller loan/ higher interest |
| 300 – 649 | Very Low | Likely to be rejected or need alternate assessment |
| NA/NH | No history | Can qualify via alternate credit models (Vizzve supports this) |
Minimum CIBIL Score Required: 650+
But many lenders now use other indicators like:
Bank transactions (spending/income pattern)
UPI history
Existing EMIs
Employment type
City or job sector
With Vizzve, you may still get a loan even with a score below 650, depending on other data points.
How to Boost Loan Approval Chances
Check your score for free before applying
Clear pending dues (even small credit card bills)
Avoid applying to multiple lenders at once
Share alternate income proof if score is low
Use Vizzve’s soft-check tool for instant eligibility without hurting score
CIBIL & Interest Rates: The Hidden Link
| Score Range | Interest Rate You May Get |
|---|---|
| 750+ | 10% – 13% |
| 700–749 | 13% – 16% |
| 650–699 | 16% – 24% |
| < 650 | 24%+ or rejection |
How Vizzve Finance Supports Low Score Borrowers
✔ Instant eligibility check with no hard credit pull
✔ Option to apply with alternate credit behavior
✔ Faster loans for gig workers and salaried users with low credit
✔ Regular updates on your credit health through the app
FAQs
Q1. What is the ideal CIBIL score for a ₹5 lakh personal loan?
A score of 750+ gives you the best chance and lowest interest. But even 700+ may qualify with Vizzve.
Q2. Can I get a personal loan with a 600 CIBIL score?
Possibly, yes — but you may need to show stable income or apply for a lower amount.
Q3. Will checking my score hurt my CIBIL?
Not if you use soft checks like the one offered by Vizzve.
Q4. Can I build my score using small loans?
Yes. Start small, repay on time, and your score can improve within 6 months.
Published on : 23rd July
Published by : SMITA
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