u/Assking_

How to get a ₹5 lakh loan with a bad credit score if I’ve been paying all my EMIs on time for the last 2 years?

Hi everyone, I need some advice. I’m trying to get a loan of around ₹5 lakh but my credit score isn’t good because of mistakes from the past. The thing is, for the last 2 years I’ve been paying all my EMIs regularly and haven’t missed payments.

I’m currently earning a stable monthly income and trying to improve my financial situation, but loan approvals are becoming difficult because lenders only seem to focus on my score.

Has anyone here managed to get a loan with a bad credit score despite having a recent good repayment history? Which banks, NBFCs, or apps are more flexible? Did adding a guarantor, co-applicant, or showing salary slips help?

Would appreciate any genuine advice or experiences. Thanks.

reddit.com

u/Assking_ — 8 days ago

▲ 0 r/banglorestartups

I’m Not Asking for Thousands. Just ₹10.

I never thought I’d make a post like this, but life has been financially exhausting lately.

I’m trying to get back on my feet, manage expenses, and create some stability for myself. I know everyone is struggling in their own way, so I’m not asking for large amounts.

But if 1000 people send just ₹10 each, it could genuinely change my situation completely.

No pressure at all even reading this means a lot.

If you’d like to help, here’s my QR code. ❤️

u/Assking_ — 10 days ago