Loan Types
Calculator
FAQs
Video
Rs. 40,000 - Rs. 55 lakh
You may be eligible for a pre-approved offer
Enter mobile number and OTP | Check free credit score
In summary
A 684 CIBIL Score falls in the fair range on the 300–900 scale, showing that your credit profile has room for improvement. While you may qualify for personal loans and other credit products, lenders also consider your repayment history, credit utilisation, existing debt, income, and overall credit profile before making a decision.
To improve your 684 CIBIL Score:
- Pay all EMIs and credit card bills on time
- Keep credit utilisation at a manageable level
- Avoid applying for multiple credit products within a short period
A 684 CIBIL Score does not define your entire financial profile. Consistent repayments, manageable debt, and responsible use of credit can gradually strengthen your score and put you in a better position to access more favourable credit terms.
How good is a 684 CIBIL Score?
A 684 CIBIL Score falls within the 650–749 range, placing it in the good range, although it is still below the 700 milestone. It reflects a reasonably established credit profile with scope to strengthen your credit standing.
A 684 CIBIL Score means:
- Credit standing: Your profile shows a reasonable level of creditworthiness.
- Repayment record: Consistent repayments can help support your current score.
- Credit usage: Keeping balances under control can protect your credit profile.
- Credit enquiries: Avoiding unnecessary applications can limit additional enquiries.
- Room to improve: Moving towards 700 and above can further strengthen your profile.
A 684 CIBIL Score is not a poor score, but continued good credit habits can help you move into a stronger position over time. Check your personal loan eligibility in just 2 steps to understand how much you can qualify for — without affecting your score.
What do lenders review apart from your CIBIL Score?
A lender does not assess a personal loan application based on your CIBIL Score alone. Your current financial position also helps determine whether the proposed loan is affordable.
The lender may review:
- Monthly income: Your earnings help indicate your repayment capacity.
- Existing EMIs: Current repayments can affect how much additional debt you can manage.
- Employment stability: Consistent income can support your overall application.
- Credit history: Your repayment behaviour and outstanding accounts may be reviewed.
- Recent enquiries: Several recent applications may lead to closer assessment.
- Requested loan amount: The amount should remain appropriate for your income and repayment capacity.
Your 684 CIBIL Score provides part of the picture, while your overall financial profile helps determine the final loan decision.
How a 684 CIBIL Score may affect your personal loan
A 684 CIBIL Score can support a personal loan application, but the final terms depend on your complete financial profile and the lender's eligibility criteria.
It may influence:
- Interest rate eligibility: Your score can be one factor considered when determining the applicable personal loan interest rate.
- Loan eligibility: Approval depends on your income, existing obligations and other criteria.
- Loan amount: Your repayment capacity and current debt can influence the amount you may qualify for.
- Credit assessment: Lenders may review your repayment history and existing commitments before making a decision.
- Future borrowing: Improving your score can strengthen your position for future credit applications.
Check your personal loan eligibility to understand what may be available based on your financial profile.
What a 684 CIBIL Score could mean for interest rates
A 684 CIBIL Score may allow you to access personal loan offers, but the interest rate offered can vary based on your overall financial profile. A stronger score may put you in a better position to access more competitive rates.
Your income, existing EMIs, repayment history and other lender-specific factors can also affect the applicable rate. When comparing a loan, consider the interest rate along with processing fees, tenure and total repayment cost.
CIBIL Score range: What each band means
CIBIL Scores range from 300 to 900. The ranges below provide a general indication of how different score levels are viewed when assessing creditworthiness.
| CIBIL Score range | Rating | What it means |
| 300-549 | Poor | A low score may indicate significant credit concerns and make borrowing more difficult. |
| 550-649 | Fair | Credit may be available, but lenders may apply closer assessment or less favourable terms. |
| 650-749 | Good | This range indicates a reasonably strong credit profile with scope to reach a higher score. |
| 750-900 | Excellent | This range generally reflects strong credit behaviour and may support more competitive credit offers. |
A 684 CIBIL Score falls within the 650–749 range. Moving towards 700 and above can be a useful milestone, while maintaining consistent repayment behaviour remains important.
How to improve your 684 CIBIL Score
Improving a 684 CIBIL Score requires consistent credit management. Focus on building a reliable repayment history and keeping your overall credit usage manageable.
You can work towards a stronger score by:
- Pay EMIs and bills on time to maintain a consistent repayment history and avoid negative entries on your credit report.
- Keep credit utilisation under control by avoiding prolonged use of a large portion of your available credit limit.
- Reduce outstanding credit balances to keep your overall debt manageable and maintain a healthier credit profile.
- Limit unnecessary credit applications because multiple applications within a short period can result in several credit enquiries.
- Review your CIBIL report regularly to identify inaccurate account details, unfamiliar enquiries or other errors that may need correction.
- Borrow only what you can comfortably repay so that new EMIs do not place excessive pressure on your monthly finances.
Consistent credit habits can gradually strengthen your profile and help move your score towards a higher range.
Key offerings: 3 loan types
Personal loan interest rate and applicable charges
Type of fee | Applicable charges |
Rate of interest per annum | 10% to 30.5% p.a. |
Processing fees | Up to 4.13% of the loan amount (inclusive of applicable taxes). |
Flexi Facility Charge | Term Loan – Not applicable Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes) |
Bounce charges | Rs. 700 to Rs. 1,200/- per bounce “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason. |
Part-prepayment charges | Full Pre-payment:
Part Pre-payment
|
Penal charge | Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount. |
Stamp duty (as per respective state) | Payable as per state laws and deducted upfront from loan amount. |
Annual maintenance charges | Term Loan: Not applicable Flexi Term (Dropline) Loan: Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.
Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure |
| Credit guarantee scheme fee | Up to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount |
| Credit guarantee scheme renewal fee | Up to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year. *Renewal Fee to be collected only for 3 subsequent financial years. **If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated. |
Not your nearest branch?
Frequently asked questions
Overview
A 684 CIBIL score is average but not considered good. It indicates moderate creditworthiness, allowing access to loans or credit cards but at higher interest rates. Improving your score above 700 through timely payments and disciplined credit usage can enhance your financial opportunities. Check your loan offer in just 2 steps and apply online to get our loan.
A 684 credit score is not bad but falls short of the "good" range. It reflects moderate credit risk, which can lead to higher borrowing costs. Practising disciplined financial habits, such as paying dues on time and reducing credit utilisation, can improve your score.
Yes, you can get a credit card with a 684 score, but your options might be limited to basic cards with fewer benefits. Improving your score above 750 through consistent credit management can help you qualify for premium credit cards with attractive features and benefits.
The minimum CIBIL score required for a personal loan typically starts from 650, depending on the lender. However, some lenders may consider applications with lower scores, but you may face higher interest rates and stricter eligibility criteria. It's advisable to have a score above 700 to increase your chances of loan approval with favourable terms. Check your eligibility in just 2 steps and plan your expenses comfortably.
Related articles
Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000