679 CIBIL Score

A 679 CIBIL score is considered average and is on the brink of the "good" range. It reflects moderate creditworthiness, meaning lenders may approve your loan or credit card applications but with higher interest rates and stricter repayment conditions. While not a poor score, it highlights room for improvement to qualify for better financial products. Aiming for a score above 700 is essential to secure favourable terms and premium financial opportunities. Consistent financial discipline, such as timely repayments and maintaining a low credit utilisation ratio, can help boost your credit score and improve your eligibility for credit.
 

✅ Check your pre-approved loan offer with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*.

Improving a 679 CIBIL score requires disciplined financial management. Pay all EMIs, credit card bills, and other dues on time, as timely payments positively impact your score. Keep your credit utilisation ratio below 30% to reflect responsible borrowing habits. Avoid frequent applications for credit, as multiple hard inquiries can reduce your score. Regularly review your CIBIL report to check for errors and address discrepancies promptly. Building a balanced credit portfolio with secured and unsecured loans further strengthens your profile. By practising these habits consistently, you can raise your score above 700, enabling you to access better financial products and terms.

A 679 CIBIL score can lead to higher interest rates, as lenders may view it as a moderate-risk score. While you can qualify for loans or credit cards, the borrowing costs are often higher compared to individuals with scores above 750. To secure better interest rates and terms, work on improving your score by making timely payments, maintaining low credit utilisation, and avoiding frequent credit applications. A higher score signals financial reliability, encouraging lenders to offer lower rates and more favourable conditions. Consistent credit management ensures better financial opportunities and lower overall borrowing costs.

1. Click on ‘CHECK ELIGIBILITY’ on this page.
2. Enter your 10-digit mobile number and the OTP sent to your phone.
3. Check if you have an offer. If not, fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
4. Now, click on ‘PROCEED’ to visit the loan selection page.
5. Enter the offer or loan amount that you need. Choose from our personal loan variants.
6. Choose the repayment tenure and click on ‘PROCEED’.
7. Complete your KYC and submit your application.
    

Our representative will contact you for further steps.

Check your eligibility for personal loan using just mobile number and OTP – 100% online process.