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Personal Loan Interest Rate for CIBIL Score 630 (2026 Update)

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Personal Loan Interest Calculator

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Approval Chance --
Estimated Personal Loan
₹0
EMI: ₹0 @ 10.5%
Check Score & Apply

Smart Advice:

Stop! Do not apply for a standard Personal Loan.

With a score of 630, most banks will reject you immediately. Each rejection hurts your score further.

  • The 'Gold Loan' Hack: Consider a Gold Loan instead. Interest rates are lower (9-10%), and they don't check CIBIL. It also builds your score.
  • Check for Errors: Is your score low because of a mistake? Check your report for 'Settled' accounts or identity theft errors using FixMyScore.
  • Small Ticket Loans: Try 'Buy Now Pay Later' or small loan apps (Cred/KreditBee) to build trust before applying for big amounts.

Compare Rates for Other CIBIL Scores

Check Rate for
900
10.50% - 11.99%
→
Check Rate for
610
24.00%+ (Fintech/Apps Only)
→
Check Rate for
880
10.50% - 11.99%
→
Check Rate for
700
11.50% - 14.00%
→
Check Rate for
830
10.50% - 11.99%
→
Check Rate for
865
10.50% - 11.99%
→
Check Rate for
850
10.50% - 11.99%
→
Check Rate for
845
10.50% - 11.99%
→
Check Rate for
650
14.00% - 22.00%
→
Check Rate for
800
10.50% - 11.99%
→
Check Rate for
685
14.00% - 22.00%
→
Check Rate for
870
10.50% - 11.99%
→
Check Rate for
750
10.50% - 11.99%
→
Check Rate for
715
11.50% - 14.00%
→
Check Rate for
645
24.00%+ (Fintech/Apps Only)
→
Check Rate for
855
10.50% - 11.99%
→
Check Rate for
605
24.00%+ (Fintech/Apps Only)
→
Check Rate for
810
10.50% - 11.99%
→

Subscribe and Let AI Fix Your Credit Score to 750+

Whether you're building credit for the first time, recovering from loan rejections, or simply looking to unlock better financial opportunities, FixMyScore, powered by AI, is here to guide you every step of the way.

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