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2 mins Read | 1 Month Ago

How to Get a Personal Loan with a Low Credit Score?


Do you need instant funds to overcome an emergency? You can apply for a Personal Loan with ICICI Bank and get quick access to funds. But something’s stopping you from applying for the loan. Is it a low Credit Score, that you fear will turn lenders away?

You can improve your Credit Score and be eligible for a Personal Loan, from ICICI Bank. Let’s get to know how:

Check and rectify errors in the Credit Report

Errors in your Credit Report can be a reason why you are not faring too well on the Personal Loan Eligibility Calculator. At times, Credit Reports are not updated with the latest information, resulting in a low Credit Score. It is therefore important to check Credit Scores regularly, report errors and get the score rectified.

Provide evidence of your ability to pay the EMIs

Despite a poor Credit Score, once the bank receives your Personal Loan Application, they check your disposable income to see if you can pay up the EMIs. For instance, ICICI Bank offers Personal Loans to salaried individuals in the age bracket of 23-58 years, with a monthly income of Rs 30,000 and above. The self-employed can also avail loans quite easily. 

Proof of job stability under a well-reputed employer

Some may have landed in debt owing to a job-loss or an illness, but have now recovered with a good job under a reputed employer. Your job stability and the reputation of your employer can work in your favour with the lender.

Apply for a lower loan amount

Getting a high loan amount with a low Credit Score is difficult. But your lender might agree to approve the loan if you seek a lower or only the required loan amount. 

Not worried anymore about getting a Personal Loan with your Credit Score, right? Get in touch with ICICI Bank, talk to the experts about your predicament and find a way to get the loan you need.


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