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Guide · Eligibility

Personal loan eligibility criteria

Personal loan eligibility depends on five things: your age (usually 21 to 58), a regular income, your CIBIL score (700+ is preferred), how stable your job or business is, and how much you already pay in EMIs. Each lender sets its own thresholds. Finriseo checks your details against lenders’ criteria and shows only the ones you match.

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The five factors

  • Age: most lenders lend between about 21 and 58 years
  • Income: each lender has a minimum monthly income
  • CIBIL score: higher scores get more offers and better rates
  • Stability: time in your current job or business
  • Existing EMIs: lenders cap total EMIs at a share of income

How to improve eligibility

  • Close small loans or card dues first
  • Add a co-applicant with income if the lender allows
  • Choose a longer tenure to lower the EMI
  • Correct errors in your credit report

Frequently asked questions

Can I check eligibility without affecting my score?

Yes. Comparing offers on Finriseo does not involve a credit-bureau enquiry.

Can students or unemployed people get a personal loan?

Usually not, because lenders need a verifiable income. Students can look at education loans instead.

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Finriseo is a loan comparison platform, not a lender. Loans are given by RBI-registered NBFCs and are subject to their approval, rates and terms.

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