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Personal Loan Interest Rate for CIBIL Score 640 (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 640, 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
715
11.50% - 14.00%
→
Check Rate for
815
10.50% - 11.99%
→
Check Rate for
680
14.00% - 22.00%
→
Check Rate for
640
24.00%+ (Fintech/Apps Only)
→
Check Rate for
630
24.00%+ (Fintech/Apps Only)
→
Check Rate for
835
10.50% - 11.99%
→
Check Rate for
775
10.50% - 11.99%
→
Check Rate for
685
14.00% - 22.00%
→
Check Rate for
875
10.50% - 11.99%
→
Check Rate for
790
10.50% - 11.99%
→
Check Rate for
670
14.00% - 22.00%
→
Check Rate for
845
10.50% - 11.99%
→
Check Rate for
645
24.00%+ (Fintech/Apps Only)
→
Check Rate for
695
14.00% - 22.00%
→
Check Rate for
615
24.00%+ (Fintech/Apps Only)
→
Check Rate for
635
24.00%+ (Fintech/Apps Only)
→
Check Rate for
825
10.50% - 11.99%
→
Check Rate for
805
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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