CIBIL & Loans
Personal Loan Approval: 5 Tips to Improve Your CIBIL Score
Boost your personal loan approval odds with these proven CIBIL score strategies before applying on Bharosa.
Why lenders check your CIBIL score
Your CIBIL score reflects repayment history, credit utilisation, and account age. Most lenders prefer scores above 750 for unsecured personal loans. On Bharosa, a stronger credit profile can help you access higher limits as you build trust with P2P investors.
5 tips to improve your score before applying
1. Pay every EMI and credit card bill on or before the due date — late payments hurt the most.
2. Keep total credit card usage under 30% of your combined limits.
3. Avoid multiple loan inquiries within 30 days; batch your applications thoughtfully.
4. Review your bureau report quarterly and dispute errors immediately.
5. Keep old accounts open when possible to lengthen your credit history.
Apply with confidence on Bharosa
Once your score is healthier, complete Bharosa's digital KYC and submit a personal loan request. Our paperless process connects you with verified P2P lenders — often faster than traditional bank branches.
