This article is general information, not financial advice. Please verify terms with your bank/NBFC before acting.
Tactics to improve approval odds responsibly.
Low score raises risk perception, but you can improve odds by demonstrating repayment capacity, using collateral-backed products, or applying with a co-applicant.
Avoid shotgun applications; target lenders open to your profile and document your case clearly.
- Offer collateral or a trusted co-borrower/guarantor.
- Borrow smaller first; build positive history before scaling.
- Pause and repair score if the need isn’t urgent.