Is 789 CIBIL score good?

Yes, a 789 CIBIL score is excellent. It demonstrates strong credit management, positioning you as a low-risk borrower. Lenders will likely offer you loans and credit cards with favourable interest rates and terms. Check your eligibility for personal loan using just mobile number and OTP – 100% online process.

Is 789 credit score bad?

No, a 789 credit score is not bad. It is an excellent score that reflects responsible financial behaviour. Lenders will offer you loans and credit cards with competitive terms and premium benefits. Check your offer in just 2 steps and apply online to get our loan.

Can I get a credit card with 789?

Yes, with a 789 credit score, you can easily get a credit card. This score qualifies you for a variety of credit cards, including premium cards offering rewards, cashback, and lower interest rates. You may also receive exclusive offers.

Is 789 credit score needed for a loan?

A 789 credit score is considered excellent and significantly improves your chances of securing a loan with favourable terms. While it's not strictly necessary, a higher credit score often leads to lower interest rates and better loan offers.

How much can you finance with a 789 credit score?

The amount you can finance with a 789 credit score depends on various factors including your income, debt-to-income ratio, and the lender's specific policies. However, an excellent credit score like 789 generally allows you to access larger loan amounts and better financing options.

What is the lowest CIBIL score for a personal loan?

While there's no universal minimum CIBIL score for a personal loan, lenders typically prefer scores above 700. However, some lenders may consider lower scores, especially for smaller loan amounts. It's important to note that a lower credit score often results in higher interest rates and stricter eligibility criteria.

Is a CIBIL 789 score good? What it means to you?

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789 CIBIL Score - Is it good or bad?

A 789 CIBIL Score is considered excellent. It reflects strong creditworthiness, indicating that you have managed your credit responsibly. Lenders view this score as very low-risk, which significantly increases your chances of securing loans and credit cards with favourable terms. With a 789 score, you can access better financial products, higher credit limits, and lower interest rates, giving you a financial edge.

With a Bajaj Finserv Personal Loan, you can get the funds within 24 hours* of approval. Check your offer in just 2 steps and apply online to get our loan.

*Terms and conditions apply.

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How to improve your 789 CIBIL Score?

To improve a 789 CIBIL score, continue making timely payments on all your loans and credit cards. Keep your credit utilisation below 30% of your available limit. Avoid applying for multiple new credit lines simultaneously, as this can lower your score. Regularly monitor your credit report for any errors and address them immediately to maintain your strong credit standing.

With a Bajaj Finserv Personal Loan, you can get funds from Rs. 40,000 to Rs. 55 lakh. Check your eligibility for personal loan using just mobile number and OTP – 100% online process.

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How does a 789 CIBIL Score impact interest rates?

A 789 CIBIL score enables you to qualify for the best available interest rates on loans and credit cards. Lenders perceive you as a low-risk borrower, which means you can access loans with lower interest rates and more favourable terms. This score allows you to negotiate better loan conditions, helping to reduce your overall borrowing costs over time.

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Type of fee	Applicable charges
Rate of interest per annum	10% to 30% p.a.
Processing fees	Up to 3.93% 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) Will be deducted upfront from loan amount.
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: Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment. Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment. Part Pre-payment Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment. Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.
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. Flexi Hybrid Term Loan: 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.

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Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
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789 CIBIL Score

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Rs. 40,000 - Rs. 55 lakh

789 CIBIL Score - Is it good or bad?

How to improve your 789 CIBIL Score?

How does a 789 CIBIL Score impact interest rates?

Key offerings: 3 loan types

Personal loan interest rate and applicable charges

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789 CIBIL Score

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Rs. 40,000 - Rs. 55 lakh

789 CIBIL Score - Is it good or bad?

How to improve your 789 CIBIL Score?

How does a 789 CIBIL Score impact interest rates?

Key offerings: 3 loan types

Personal loan interest rate and applicable charges

Locate your nearest branch

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