674 CIBIL Score

A 674 CIBIL score is considered average and sits slightly below the "good" category. It suggests moderate creditworthiness, meaning lenders may approve loans or credit cards but with less favourable terms such as higher interest rates and stricter repayment conditions. While it is not a poor score, it indicates room for improvement to secure better financial opportunities. A score above 700 is generally preferred for competitive loan offers and premium credit cards. Practising financial discipline, including timely repayments and maintaining a low credit utilisation ratio, is essential to enhance your creditworthiness and improve your financial options.
 

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Improving a 674 CIBIL score requires consistent financial management. Ensure all your EMIs, credit card bills, and other payments are made on time to build a strong repayment history. Keep your credit utilisation ratio below 30% to demonstrate responsible borrowing. Avoid frequent loan or credit card applications, as multiple hard inquiries can lower your score. Check your CIBIL report regularly for errors or discrepancies and have them rectified promptly. Maintaining a mix of secured and unsecured credit also helps improve your profile. With these practices, you can steadily increase your score above 700, gaining access to better credit terms and products.

A 674 CIBIL score may lead to higher interest rates and stricter loan terms, as lenders view it as a moderate-risk score. Borrowers with this score often face higher EMIs and lower credit limits compared to those with higher scores. To access better interest rates, aim to improve your score above 750 by practising timely repayments, reducing credit utilisation, and maintaining a balanced credit profile. A higher score assures lenders of your reliability, resulting in lower borrowing costs and more favourable loan conditions. With disciplined financial habits, you can significantly enhance your score and broaden your financial opportunities.

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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