Stop! Do not apply for a standard Personal Loan.

With a score of 645, 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.