Personal Loan Interest Rate for CIBIL Score 685 (2026 Update)

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Personal Loan Interest Calculator

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Estimated Personal Loan
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EMI: ₹0 @ 10.5%
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Smart Advice:

Caution: Your score of 685 makes you a 'Risky Borrower' to banks.

Big banks (SBI/HDFC) may reject your application or ask for a high interest rate (16%+).

  • Add a Co-applicant: Adding a spouse or parent with a 750+ score can help you get approved instantly at lower rates.
  • Look at NBFCs: Companies like Bajaj Finance, Tata Capital, or Aditya Birla are more lenient with scores in the 650 range, though rates will be higher.
  • Don't Apply Blindly: Use an eligibility checker tool first. A hard rejection now could push you into the 'Poor' category.

Compare Rates for Other CIBIL Scores

Check Rate for
880
10.50% - 11.99%
→
Check Rate for
670
14.00% - 22.00%
→
Check Rate for
835
10.50% - 11.99%
→
Check Rate for
640
24.00%+ (Fintech/Apps Only)
→
Check Rate for
715
11.50% - 14.00%
→
Check Rate for
700
11.50% - 14.00%
→
Check Rate for
615
24.00%+ (Fintech/Apps Only)
→
Check Rate for
730
11.50% - 14.00%
→
Check Rate for
725
11.50% - 14.00%
→
Check Rate for
805
10.50% - 11.99%
→
Check Rate for
825
10.50% - 11.99%
→
Check Rate for
850
10.50% - 11.99%
→
Check Rate for
765
10.50% - 11.99%
→
Check Rate for
755
10.50% - 11.99%
→
Check Rate for
790
10.50% - 11.99%
→
Check Rate for
760
10.50% - 11.99%
→
Check Rate for
895
10.50% - 11.99%
→
Check Rate for
645
24.00%+ (Fintech/Apps Only)
→