Do this work before taking loan, otherwise it may prove costly, check your CIBIL score in minutes like this

By Samira Vishwas On Jun 5, 2026

Loan Approval Tips: In today’s era, it has become easy and common for any person to take a loan for home, car, smartphone or personal needs. For which banks and financial institutions also offer loans to customers with excellent EMI options. But do you know that just having a good salary does not lead to loan approval? Banks also look at your CIBIL Score equally seriously and it is this score that decides whether you will get the loan or not and if you get it, at what interest rate. In such a situation, if you also want to take a loan soon, then definitely check your CIBIL score before applying.

What is CIBIL Score?

Talking about CIBIL Score, it is a credit score, which is issued by TransUnion CIBIL. It ranges from 300 to 900 points and your credit history reflects these numbers. It is said that the higher the score, the easier it will be for the bank to trust you. Generally speaking, a score of 750 or more is considered good. Due to which such customers have higher chances of getting loan approval and sometimes also get the benefit of lower interest rates.

Low score can cause problems

If your CIBIL score is low then the bank may reject the loan application or charge higher interest rates. But the good thing about this is that the score can be improved by making timely EMI payments, clearing credit card bills and reducing the outstanding amount. Along with this, let us tell you that by checking the score you can also know whether any loan or credit card has been issued in your name without your knowledge.

How to check CIBIL score sitting at home

From TransUnion CIBIL website

Visit the official website.
Select the Get Free CIBIL Score & Report option.
Enter mobile number, email and other required information.
Fill in the identity card details.
Accept the terms and conditions and click on Accept and Continue.
Within a few seconds your latest score will appear on the screen.

from Google Pay

Open the Google Pay app.
Scroll down and select Check your CIBIL Score for Free option.
Follow the instructions.
Your score will appear on the screen.

From Cred App

Open the Cred app.
Go to Credit Score section.
Tap on the Refresh button.
The latest CIBIL Score will be visible immediately.

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Cheap loan can help you get better score

Experts say that checking CIBIL score before applying for loan is a wise step. This not only reveals your financial condition. Along with this, time is also available to improve the score if needed.