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Personal Loan with 650–700 CIBIL Score

650-700 CIBIL is the 'good' range — most lenders approve your application. You qualify for SBI, Axis Bank, Navi, Bajaj Finserv (685+), and all NBFCs/fintechs. Rates from 10.99% to 18%. At this score, comparison shopping is your biggest savings lever.

Lenders Available

10.99%–18%

Expected Rate Range

₹3,00,000–₹15,00,000

Likely Loan Range

650–700

CIBIL Range

Your Lender Options at 650–700 CIBIL

Most banks (SBI, Axis) + all NBFCs + all fintechs. HDFC/ICICI at 700+

Banks1 available

State Bank of Indiafrom 11.05%

NBFCs4 available

Fintech Lenders5 available

KreditBeeNo min
Fibe (EarlySalary)No min
CASHeNo min
MoneyView600+
Navi650+

Lender	Type	Min CIBIL	Rate Range	Max Loan	Best For
KreditBee	FINTECH	No min	17–29.95%	₹5,00,000	First-time borrowers and NTC individuals
Fibe (EarlySalary)	FINTECH	No min	16–30%	₹5,00,000	Young salaried employees aged 21-35
Home Credit	NBFC	No min	19–56%	₹2,00,000	Low-income borrowers in rural/semi-urban areas
CASHe	FINTECH	No min	27–33%	₹4,00,000	NTC millennials needing instant funds
MoneyView	FINTECH	600+	15.96–39.99%	₹10,00,000	Borrowers with low-to-moderate CIBIL scores
IIFL Finance	NBFC	600+	12.75–44%	₹5,00,000	Tier 2/3 city borrowers and lower income earners
State Bank of India	BANK	650+	11.05–14.56%	₹20,00,000	Government employees and pensioners
Navi	FINTECH	650+	9.9–45%	₹20,00,000	Young urban borrowers comfortable with app-only experience
Fullerton India	NBFC	650+	11.99–36%	₹25,00,000	Self-employed individuals and small business owners
Bajaj Finserv	NBFC	685+	11–34%	₹40,00,000	First-time borrowers needing flexible EMI options

How to Improve Your CIBIL from 650–700

You're at the threshold — 700+ unlocks HDFC (10.5%) and ICICI (10.65%), the cheapest rates in the market

Bajaj Finserv requires 685 — if you're at 680, one month of clean payments could cross that threshold

At this score, your salary becomes the bigger factor — focus on documenting all income sources

Multiple lender comparison is critical — the spread between your best and worst offer could be 8%+ at this score

Don't apply to banks that require 700+ (HDFC, ICICI, Kotak) — the rejection + hard enquiry will hurt more than waiting

India's 1st AI Credit Score Booster

700 is Within Reach — Don't Settle for High Rates

At 700+, HDFC (10.5%) and ICICI (10.65%) unlock — the cheapest personal loans in India. You're 30-50 points away from the best deals in the market.

50–100

points improvement possible in 3-6 months

3–5%

lower interest rates with every 50-point jump

₹15,000+

saved per year by improving from 600 to 750

🎯See exactly which actions will move your score fastest

🔮Know the real impact on your CIBIL before taking any loan or card

📋Get a personalised step-by-step improvement roadmap

📈Track your score climb month over month

Boost Your CIBIL Score Now →

Every day you wait at a low score costs you money in higher interest rates

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Last updated: 26 May 2026 (today)

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Monthly Salary

CIBIL Score Range

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Frequently Asked Questions

Which banks approve loans at 650-700 CIBIL?

Multiple banks and NBFCs accept 650-700 CIBIL. GoCredit's AI checks your eligibility across all lenders and shows which ones will approve at your exact score — so you don't waste applications on lenders that require higher scores.

What rate can I get at 680 CIBIL?

SBI: 11-13%. Axis: 12-16%. Bajaj Finserv: 13-18%. NBFCs: 14-20%. You should target sub-15% and not accept anything above 18% at this score level.

How much loan at 650-700 CIBIL?

₹3L–₹15L depending on salary. SBI offers up to ₹20L, Bajaj up to ₹40L. Practical amounts at average salaries (₹25-40K): ₹4-8L.

Should I wait for 700+ or apply now?

If you're at 690+, wait 1-2 months — crossing 700 unlocks HDFC/ICICI at 10.5% and saves ₹10,000-30,000 over the loan term. If you're at 650-680, apply now with NBFCs and refinance later.

How to jump from 680 to 750 CIBIL?

6-12 months. Actions: zero missed payments (critical), reduce credit utilisation to below 20%, maintain 3+ year old credit accounts, limit new credit applications to 1-2 per year.

Personal loan vs credit card at 650-700 CIBIL?

Personal loan: 11-18% interest, fixed tenure, predictable EMI. Credit card revolving: 36-42% interest, debt trap risk. For any amount above ₹25K, personal loan is dramatically cheaper at this score.