Personal Loan for 600 CIBIL Score in India
Low credit score? No worries. Get up to ₹25 Lakhs even with a 600 CIBIL score. Fast approval & flexible repayment options.
- Approval within 24–48 Hours
- Interest starting from 14%*
- No Collateral Required
- Special options for Low Credit Score
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Why Apply with Loan Sarthak?
We help customers get approved even with low or average credit scores.
Low CIBIL Support
We connect you with lenders who accept 600 credit score applicants.
Fast Disbursal
Funds credited within 24–48 hours after approval.
Minimal Documentation
Aadhaar, PAN & income proof required.
Flexible EMI Options
Repayment tenure from 12 to 60 months.
Eligibility Criteria
- Age Group 21 – 60 Years
- Employment Salaried / Self-Employed
- Monthly Income Min. ₹20,000
- Credit Score 600+ Accepted
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Don’t let a 600 credit score stop you. Check your eligibility now and get instant loan assistance.
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Personal Loan for 600 CIBIL Score in India – Approval Guide (2026)
If your credit score is around 600, getting a loan may look difficult at first. However, things are not as bad as they seem. Today, many lenders offer a personal loan for 600 CIBIL score in India, especially when the applicant has stable income and regular bank transactions.
In this guide, you will understand eligibility, interest rates, approval tips, and smart ways to improve your chances.
Can You Get a Personal Loan with 600 CIBIL Score?
Yes, approval is possible in many cases.
Earlier, most banks approved only high credit score applicants. However, the lending market has changed over the years. Nowadays, NBFCs and fintech lenders check your income, work stability, and repayment behavior along with your score.
For example, steady salary and low EMI burden increase approval chances. In contrast, recent loan defaults may reduce trust. Therefore, your full financial profile matters more than just one number.
Although the interest rate can be higher, access to funds is still available.
What Does a 600 CIBIL Score Indicate?
Your CIBIL score ranges between 300 and 900.
Generally, a score above 750 is considered excellent. A score between 700 and 749 is good. Scores between 650 and 699 are average. A 600–649 score falls in the below-average category. Anything below 600 is treated as high risk.
Because of this classification, lenders may offer smaller loan amounts or slightly higher rates. Still, stable income can balance the risk.
Interest Rate for 600 CIBIL Personal Loan
Typically, interest rates range from 14% to 24% per year.
However, the final rate depends on several factors. For instance, lenders consider:
- Monthly income
- Company reputation
- Total work experience
- Existing loans
- City category
If your income is strong, the rate may be lower. On the other hand, high EMI obligations can increase borrowing cost.
Loan Amount You Can Expect
Most applicants with a 600 score qualify for:
- ₹50,000 to ₹5 Lakhs
Moreover, higher income and clean repayment history can increase the eligible amount. Ultimately, repayment capacity plays a bigger role than the score alone.
Basic Eligibility Criteria
To apply for a personal loan for 600 CIBIL score in India, you must:
- Be between 21 and 60 years old
- Be salaried or self-employed
- Earn at least ₹20,000 per month
- Be an Indian resident
In addition, having fewer active loans improves approval probability.
Documents Required
The process is simple and mostly digital. Usually, lenders ask for:
- PAN Card
- Aadhaar Card
- Salary slips (last 3 months)
- Bank statement (last 6 months)
For self-employed applicants, ITR and business proof may also be required. Once documents are verified, funds are generally disbursed within 24 to 48 hours.
How to Improve Approval Chances
If your credit score is 600, smart preparation makes a big difference.
Reducing credit card usage below 30% improves your profile quickly. Clearing small pending dues before applying also helps. In addition, avoid sending multiple applications to different lenders at the same time. Maintaining job stability for at least six months further strengthens trust.
As a result, lenders feel more confident approving your application.
Common Reasons for Rejection
Even with a 600 score, rejection can happen. Usually, the reasons include:
- Recent missed EMI
- High credit utilization
- Too many credit inquiries
- Irregular monthly income
Therefore, reviewing your credit report before applying is always a good idea.
How to Increase CIBIL Score from 600
Improvement is possible within a few months if you stay disciplined.
Pay EMIs on time without delay. Keep credit usage low at all times. Avoid unnecessary new loans. Maintain older credit accounts for longer history.
Over time, your score can move above 700. Consequently, future loans become cheaper and easier to obtain.
Is It Safe to Borrow with 600 Score?
Borrowing is safe when done responsibly. Before applying, calculate your EMI carefully. Moreover, check processing fees and late payment penalties. Most importantly, select a repayment plan that fits your monthly budget comfortably.
Responsible borrowing protects your financial future.
Frequently Asked Questions
Can I get instant approval with 600 CIBIL score?
Yes, some lenders provide quick decisions if income is stable and documents are complete.
Will the interest rate be high?
Compared to high-score borrowers, rates are slightly higher. However, they remain manageable with proper planning.
Does applying for a loan reduce CIBIL score?
Multiple hard inquiries can slightly reduce your score. Therefore, apply carefully.
How fast is loan disbursal?
In most cases, funds are credited within 24–48 hours after approval.
Final Thoughts
A low credit score should not stop your financial plans. Even with a 600 rating, you can apply for a personal loan for 600 CIBIL score in India and receive funds for medical needs, emergencies, or personal expenses.
However, improving your repayment habits is equally important. As your score increases, interest rates decrease and approval becomes smoother. Therefore, borrow wisely and build your credit strength step by step.