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Summary: A good credit score not only helps you get your loan approved, but is also key to securing competitive interest rates, and easy loan terms. Having a decent credit score gives you access to smarter personal loan solutions, which can beneficial in several ways, and help you meet your needs. Learn how a good credit score can help you get more from personal loans.
Ensuring an optimal credit score is pivotal in securing favourable terms for personal loans. Your credit score acts as a financial report card, influencing banks' decisions regarding your borrowing capabilities and the interest rates you will be offered. It's essentially your financial reputation on paper. With a higher credit score, you stand to benefit from lower interest rates and more favourable loan terms.
With a good credit score of 730 or more, you can be eligible for superior loan solutions such as IDFC FIRST Bank’s FIRSTmoney smart Personal Loan. FIRSTmoney offers you a credit line with the freedom to draw funds multiple times, featuring competitive interest rates and flexible repayment options, tailored to suit your dynamic financial needs.
FIRSTmoney credit lines are available to select individuals with a healthy credit score of 730 and above offering instant approvals for credit limit of up to ₹10 lakhs. The final approved amount may vary based on the credit history and scores. Here is a list of the basic eligibility criteria to apply for FIRSTmoney smart loans:
With a strong credit profile and stable monthly salary, you can apply for a FIRSTmoney smart personal loan in 5 easy steps as mentioned below.
After you get approved of your credit limit, start using the funds right away as per your needs and withdraw money in parts or at once.
By maximising your credit score and exploring smart loan options like FIRSTmoney, you can unlock the door to financial opportunities and realise your aspirations with confidence.
Boosting your credit score is essential for improving your financial health and accessing better borrowing opportunities. Here are four effective strategies to elevate your creditworthiness:
Maximising your credit score is an essential and smart move that can significantly impact your financial future, particularly when it comes to securing favourable loan terms. A good credit score not only opens doors to lower interest rates and better loan terms but also reflects your financial responsibility and trustworthiness to the bank. By leveraging innovative lending solutions like FIRSTmoney smart loans, you can capitalise on your creditworthiness and enjoy the flexibility to draw funds anytime when needed and affordability to repay EMIs only on the used funds. Take the next step towards your financial goals by applying for a FIRSTmoney smart loan today and unlock the benefits of your good credit score!
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.