Low Cibil Score Loan: Friends, as you know, in today’s time a person can need money at any time and if he does not have money
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So at this time he often takes the help of the bank or thinks of taking a loan from financial institutions, but the bank first checks the civil score of that person and this civil score is a symbol of his financial credibility.
CIBIL score is a number given by the bank which ranges from 300 to 900. This number is calculated on the basis of your financial condition and the previous loan you have taken or credit card payment. The higher your score, the better your access.
Friends, if your CIBIL score is low, then any bank refuses to give you a loan, but now there is nothing to worry about, you can get a loan even if you have a low CIBIL score in 2024, we can know this in this way
1) Non-Banking Financial Companies (NBFCs):
NBFC i.e. Non-Banking Financial Companies are such institutions, these are institutions which are not banks but work to give you loans, these companies are
They can give you loan even with low CIBIL score, for this you just need to provide your identity card and income certificate
Your friends, if you take a loan from these institutions or NBFC, you may find that the interest rate is higher, so before taking a loan, you should think and read all the things thoroughly.
2) Loan Apps:
Nowadays friends, with the advent of mobile internet, there are many mobile apps which can give you instant loan. By using these apps, you can get instant loan in a very easy and simple way. You just have to download a loan app on your phone and register on it.
Friends, as soon as your registration is complete, you have to give your mobile number and your identity card as well as photo and a kind of selfie, you have to upload it in the application.
If your loan is approved, you have to provide your bank details, after which you will get the loan amount immediately in your bank account.
The advantage of this mobile application is that whatever loan you get, you get money quickly from the app but it should always be kept in mind that their interest rates are very high, so they should be used with cautious
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Required Documents:
To get a loan with a low CIBIL score, you need the following
Documents to be submitted:
Aadhaar Card
PAN Card
Voter ID Card
Passport (if any)
Friends, one good thing in this is that you do not need to provide any income certificate and still you get the loan.
Interest Rate and Other Charges:
Friends, it is very important to keep this in mind that if you are getting a loan on a low CIBIL score, then the interest rate you will have to pay will be slightly higher.
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Apart from this, if you are not able to pay any installment on time, then you may be charged a penalty on it and some companies may also charge a processing fee.
How to take a loan?
If you want to take loan from Loan App then follow these steps:
Download a trusted loan app.
Register with your mobile number.
3 Upload your ID photo and a selfie.
4 If your loan is approved, provide your bank details.
5 paise will be credited to your account. Usually a loan of up to Rs 200,000 can be availed.
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Precautions:
Friends, you can take a loan even if you have a low CIBIL score, but there are some things that you need to keep in mind.
1 Always take loans from trusted companies or apps.
2 Read all the terms and conditions carefully.
3 Be sure to know the interest rate and other charges.
4 Pay the loan installments on time.
5 Do not take more loan than needed.
As you all know friends, even if your civil score is low in 2024, you can easily take your personal loan through any loan app of NBFC, you just have to keep your identity card ready and work carefully
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Remember that a loan is a responsibility, so you should take a loan according to your need and your capacity, if all these things are used in the right way
So a loan is for improving your financial condition and you can use it. So friends, you can take a loan through all these methods even if you have a low CIBIL score.