667 CIBIL Score

A 667 CIBIL score is considered average, indicating moderate creditworthiness. While it is not a poor score, it falls short of the "good" range, making it harder to access premium financial products. Lenders may approve your loans or credit cards, but the terms are likely to include higher interest rates and stricter conditions. This score highlights the need for improved credit management to gain better financial opportunities. To enhance your eligibility for competitive products, aim for a score above 700. Practising timely repayments, reducing credit utilisation, and maintaining a strong credit profile can help boost your score over time.
 

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Improving a 667 CIBIL score requires consistent financial discipline. Start by paying all your bills, EMIs, and credit card dues on time, as punctual repayments have a significant positive impact. Keep your credit utilisation ratio below 30% to reflect responsible borrowing. Avoid frequent applications for credit, as hard inquiries can lower your score. Regularly review your CIBIL report for errors and get them rectified promptly. Maintain a balanced credit mix of secured and unsecured loans to strengthen your profile. By adhering to these practices, you can steadily improve your score above 700, unlocking better financial opportunities and favourable terms.

A 667 CIBIL score can result in higher interest rates on loans or credit cards, as lenders perceive you as a moderate-risk borrower. While you may still qualify for credit, the repayment terms are less favourable compared to borrowers with higher scores. To secure lower interest rates and better terms, focus on improving your score above 750. Regularly paying dues on time, reducing credit utilisation, and avoiding multiple loan applications can help enhance your score. A higher score not only makes borrowing cheaper but also increases your access to premium financial products, providing long-term financial benefits.

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.

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