644 CIBIL Score

A 644 CIBIL score is classified as a "fair" credit score. It indicates a moderate creditworthiness level, meaning you are neither in the high-risk category nor considered highly reliable by lenders. While it may not prevent you from accessing credit or loans, you might face higher interest rates and limited loan options compared to individuals with higher scores. Improving your score can enhance your financial credibility, opening doors to better financial products. It is essential to consistently monitor your credit report, manage debt responsibly, and make timely payments to elevate your score to the "good" or "excellent" range. Check your eligibility for personal loan using just mobile number and OTP – 100% online process. 

• Timely payments: Pay your credit card bills and EMIs before their due dates.
• Reduce credit utilisation: Keep your credit usage below 30% of your limit.
• Avoid multiple applications: Frequent credit applications can lower your score.
• Clear outstanding debt: Settle overdue accounts to demonstrate financial reliability.
• Monitor your report: Regularly check for errors in your credit report and dispute discrepancies.
   

Adopting these measures will gradually build your creditworthiness and improve your score over time.

A 644 CIBIL score can lead to higher interest rates on loans and credit products, as lenders may view you as a moderately risky borrower. While you may still qualify for credit, you might not access the best offers. For instance, personal loans or credit cards could carry rates 2-3% higher than those offered to individuals with good scores. Additionally, lenders may impose stricter terms, such as lower loan limits or collateral requirements. Improving your credit score can help you secure more favourable rates and terms, ultimately saving you money on interest payments over time.

1. Click on ‘CHECK ELIGIBILITY’ on this page.
2. Enter your 10-digit mobile number and the OTP sent to your phone.
3. Check if you have an offer. If not, fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
4. Now, click on ‘PROCEED’ to visit the loan selection page.
5. Enter the offer or loan amount that you need. Choose from our personal loan variants.
6. Choose the repayment tenure and click on ‘PROCEED’.
7. Complete your KYC and submit your application.
    

Our representative will contact you for further steps.

Check your eligibility for personal loan using just mobile number and OTP – 100% online process.

A 644 CIBIL score is a fair starting point but limits access to the best financial products. Proactive steps, such as timely payments, reducing debt, and monitoring credit reports, can improve your score and expand your options. While it may lead to higher interest rates, consistent financial discipline can help you transition to a good or excellent score, ensuring better loan terms and greater credit opportunities. Remember, gradual improvements in your financial habits can make a substantial long-term impact.