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Access funding from ₹50,000 to ₹5,00,000. High approval rates for credit scores above 600. Powered by Aparampaar Finance, an RBI Registered NBFC.
Personal Loans for low credit are an option for people whose credit reflects financial missteps or a short history. Late payments or maxed-out credit cards can lower your score.
Your credit health is determined by five key metrics:
Check your credit score and evaluate your budget. Compare loans from online NBFCs like Aparampaar Finance.
Use Prequalification to check rates without a hard check. Consider Co-signers to lower APRs.
Gather documents like pay stubs and tax records. Be prepared for a standard hard credit check.
Show proof of stable job or earnings. Affordability is more important than historical score.
Pledging an asset decreases lender risk and boosts your approval chances.
A creditworthy co-applicant enhances your eligibility and score profile.
Asking for a smaller loan reduces default risk, making approval more likely.
Credit unions often offer supportive interest-free loans or tailored assistance.
Your bank may offer a tailored loan based on account history rather than just CIBIL.
It is often better to use personal savings than to pay high interest on bad-credit loans.