What credit score do you need for a personal loan?
How lenders use score bands to price loans, and options if yours is below 700.
21 August 20264 min read
Score bands lenders use
750+ gets the best rates, 700–749 qualifies with most lenders, 650–699 is considered by select NBFCs and fintechs at higher rates.
If your score is below 650
Consider a secured loan, add a co-applicant, or build your score with an FD-backed card for 6–12 months.
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