675 CIBIL Score

A 675 CIBIL Score is categorised as fair and close to the good range, which starts at 700. It shows moderate creditworthiness, meaning you may qualify for loans or credit cards, but not at the best terms. Lenders may still view you as a slightly risky borrower, resulting in higher interest rates or stricter conditions. This score reflects some financial inconsistencies, such as delayed payments or high credit utilisation. To access better financial opportunities, focus on improving your credit habits. Consistently paying bills on time and managing credit responsibly can help you move towards a good credit score.
 

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Improving a 675 CIBIL Score requires disciplined financial habits. Pay all EMIs and credit card bills promptly, as payment history significantly impacts your score. Keep your credit utilisation ratio below 30% of your credit limit to showcase responsible usage. Avoid applying for multiple loans or credit cards in a short period, as frequent inquiries lower your score. Regularly review your CIBIL report to identify and rectify errors. Maintaining a mix of secured and unsecured loans can further boost your profile. Over time, these consistent efforts will increase your score, helping you qualify for better financial products and competitive terms.

A 675 CIBIL Score can result in higher interest rates compared to borrowers with excellent credit scores. Lenders may view this score as indicating moderate risk, offering loans at rates around 12-14% instead of the 9-10% available to individuals with higher scores. This makes borrowing more expensive. Improving your score by managing repayments and credit usage effectively can help secure loans at lower interest rates, reducing your financial burden and enabling long-term savings.

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.