Hello everyone aaj mai aapko batane wala hu How to Get a Personal Loan Without CIBIL Score to aap personal loan kaise le sakte ho agar aapka CIBIL score kam hai ya zero hai.
To tension na lo aaj ke digital zamane me loan lena CIBIL score pe depend nhi karta hai to is blog me hum janenge CIBIL score ke bina personal loan kaise milega, kya-kya documents lagenge, kya kya options hai without CIBIL score ke personal loan lene ka.
CIBIL Score Kya Hota Hai?
CIBIL(Credit Information Bureau (India) Limited) ek aisa score deta hai jo aapki credit ki history dikhata hai ye score 300 se 900 ke beech hota hai.
Agar aapka CIBIL score 750+ hai to ye accha maana jata hai aur iska matlab hota hai ki aap trustworthy ho aur aapko loan diya ja sakta hai.
Lekin agar aap credit card ke world me naye ho aur aapne kabhi credit card use nhi kiya aur kabhi loan nahi liya hai ya fir aapka CIBIL score kam hai to aap kaise personal loan le sakte ho.
CIBIL Score Nahi Hai Toh Loan Kaise Milega?
1. NBFC (Non-Banking Financial Companies)
Banks CIBIL score check karte hain, lekin NBFCs aapko bina CIBIL score ke bhi loan de sakte hai agar aapki salary ya business income stable hota hai. Ye NBFCs aapko bina CIBIL score ke bhi personal loan de sakte hain,
Bajaj Finserv
MoneyTap
EarlySalary
KreditBee
CASHe
In sab ke features bhi bahot badhiya hai isme aapko instant approval, minimum documents hote hai lekin isme intrest rate zyada hota hai kyunki bina CIBIL score ke ye loan de rahe hai to isme risk bhi bahot zyada hai.
2. Peer-to-Peer(P2P) Lending Platforms
Aaj kal P2P kaafi popular ho rahe hain kyunki yahan pe aapko individual investors aapko directly loan de rahe hote hain, Isme bahot sare platform hai.
LenDenClub
Faircent
i2iFunding
Yahan pe loan lene ke liye aapke paas stable income proof hona chahiye, aur aapke paas kyc documents hone chahiye iske saath-saath aapke paas bank statement bhi hona chahiye. Yahan pe intrest rate jyada ho sakta hai lekin yahan pe CIBIL score ki itni importance nahi hoti hai.
3. Gold Loan
Agar aapke paas gold ya gold jewelry hai to aapko bina CIBIL score ke loan mil jayega aur ye sabse accha option hai kyunki yahan pe aapko bahot aasani se loan mil jaata hai aur yahan pe fast processing loan milta hai, aur pe koi credit check nahi hota hai aur yahan pe aapko intrest bhi kam pay karna hota hai. Ye kuch Top Gold Loan providers hain
Muthoot Finance
Manappuram Gold Loan
HDFC Bank Gold Loan
AApko yahan pe aapko aapke gold ka 70-75% amount loan mil sakta hain.
4. Instant App Loans
Agar aapke paas accha CIBIL score nahi hai to ye option bhi aapke liye sahi ho sakta hai yahan pe aapko instant loans mil jaata hai aur yahan pe CIBIL score check nahi hota hai.
Yahan pe loan lene ke liye aapke paas salary slips hona chahiye aur aadhar+pan card lagte hai uske saath-saath 3months ke bank statements lagte hai, Kuch Top Instant Loan providers mai aapko batata hoon.
Nira Finance
Dhani
Paysense
KreditBee
5. Guarantor Ke Through Loan
Agar aapke paas koi aisa family member hai jiska CIBIL score accha hai to aap unko guarantor bana kar loan le sakte ho.
Yahan pe aapka chance jyada hai loan approved hone ka aur yahan pe aapko intrest rate bhi kam pay karna hoga.
6. Secured Personal Loan(Fixed Deposit ke against)
Agar aapke paas fixed deposit(FD) hai toh uske against aap personal loan le sakte ho ye ek secure loan hota hai isliye CIBIL score ki zaroorat nahi hoti hai.
FD loan ke bahot se benefits hai yahan pe aapko aapke FD amount ka 90% tak loan mil jaata hai, yahan pe intrest rate bhi kam pay karna hota hai.
CIBIL Score ke Bina Loan Lete Time Kya Dhyan De:
1. Intrest Rate Compare karo
CIBIL score ke bina loan milta hai, lekin interest rate zyada ho sakta hai. Multiple platforms pe compare karo.
2. Hidden Charges Padho
Processing fees, prepayment penalty, GST charges — sab clearly padho.
3. EMI Capability- Aap Pay Kar Sakte ho?
Repay nahi karoge toh aur bada financial burden banega. EMI calculator ka use karo.
4. Loan Agreement Carefully Read Karo
Kisi bhi document pe sign karne se pehle terms & conditions acche se samjho.
Conclusion: How to Get a Personal Loan Without CIBIL Score
Aaj ke time me CIBIL score ki bina personal loan lena possible hai bas aapko sahi platform , sahi documentations aur responsible repayment hona chahiye Chahe aap salaried ho ya self employed ho ya naye ho credit world mein aapke paas bahot sare options available hain.
Lekin yaad rakhna jitna easy loan lena hai repay karna bhi utna hi important hai.
FAQ’S: How to Get a Personal Loan Without CIBIL Score
Kya main student hoke personal loan le sakta hoon?
Agar aapke paas income proof ya co-signer hai toh possible hai.
Bina CIBIL ke loan lene mein kitna time lagta hai?
NBFCs ya apps se same-day approval mil sakta hai.
Kya gold loan lene se CIBIL score improve hota hai?
Nahi, gold loan secured hota hai — ye CIBIL score pe report nahi hota.
