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Personal Loan Interest Rate for CIBIL Score 645 (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 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.

Compare Rates for Other CIBIL Scores

Check Rate for
855
10.50% - 11.99%
→
Check Rate for
635
24.00%+ (Fintech/Apps Only)
→
Check Rate for
615
24.00%+ (Fintech/Apps Only)
→
Check Rate for
800
10.50% - 11.99%
→
Check Rate for
875
10.50% - 11.99%
→
Check Rate for
600
24.00%+ (Fintech/Apps Only)
→
Check Rate for
610
24.00%+ (Fintech/Apps Only)
→
Check Rate for
650
14.00% - 22.00%
→
Check Rate for
885
10.50% - 11.99%
→
Check Rate for
640
24.00%+ (Fintech/Apps Only)
→
Check Rate for
895
10.50% - 11.99%
→
Check Rate for
790
10.50% - 11.99%
→
Check Rate for
620
24.00%+ (Fintech/Apps Only)
→
Check Rate for
865
10.50% - 11.99%
→
Check Rate for
710
11.50% - 14.00%
→
Check Rate for
745
11.50% - 14.00%
→
Check Rate for
880
10.50% - 11.99%
→
Check Rate for
605
24.00%+ (Fintech/Apps Only)
→

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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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