Yes, you can apply for personal finance even with a low credit score. However, having a high credit score of 750 or above offers several benefits:

  1. You can get a longer loan tenure. This means smaller EMIs that can be paid easily.
  2. You can get competitive interest rates with a high credit score.
  3. A high credit score also boosts your chances of getting a pre-approved loan.
  4. Alternatively, you can consider applying for a joint loan with your spouse, parent, and siblings to improve your chances of loan approval.

Our loan disbursal feature is in partnership with Tata Capital. For any further queries, you can contact them at