Short answer: A CIBIL score of 600 is low. Some NBFCs and loan apps may offer small, short-tenure loans at higher rates. Banks usually decline. Your income, existing EMIs and the reason your score is 600 matter as much as the number itself.
Last updated: 12 October 2026. Figures are worked examples using the standard EMI formula. Your lender’s offer and Key Fact Statement (KFS) decide the real numbers.
What a 600 CIBIL score means
CIBIL scores run from 300 to 900. A score around 600 usually means missed payments in the last year or two, a high credit card balance, or a settled account. Lenders do not publish minimum scores, and each one weighs your score alongside your income, job and recent history.
| Score | How lenders usually see it |
|---|---|
| 750 and above | Low risk |
| 700 to 749 | Acceptable |
| 650 to 699 | Borderline |
| 600 to 649 | Risky |
| Below 600 | High risk |
Your realistic options with a 600 score
- Small-ticket NBFC loans from RBI-listed apps, at a higher APR
- A gold loan or loan against FD for larger amounts
- A loan with a co-applicant
- An employer salary advance for short-term needs
Our list of 105 instant loan apps for low credit score shows each app’s RBI-regulated lender and the APR it discloses, so you can compare before you apply. For amounts, see ₹10,000 loan apps and ₹50,000 loan apps.
What a loan could cost you at 600
A lower score usually means a higher rate. Here is what the same ₹1 lakh loan over 24 months costs at different rates:
| Interest rate | EMI | Total interest |
|---|---|---|
| 14% | ₹4,801 | ₹15,231 |
| 18% | ₹4,992 | ₹19,818 |
| 24% | ₹5,287 | ₹26,891 |
| 30% | ₹5,591 | ₹34,191 |
| 36% | ₹5,905 | ₹41,714 |
Add the processing fee plus 18% GST, and compare the APR and total amount payable in each lender’s Key Fact Statement.
How to raise a 600 score
- Bring every account to “current” (no overdue).
- Keep your credit card balance below about 30% of the limit.
- Avoid new applications for a few months.
- Pay every EMI on time. Lenders now report at least every fortnight, so improvements show faster.
You get one free full credit report a year from each bureau (CIBIL, Experian, Equifax and CRIF High Mark). Checking your own score does not lower it.
Avoid these traps
- Offers of loans “without a CIBIL check” in return for an upfront fee or blank signed cheques.
- Apps that ask for access to your contacts and photos.
- Settling a loan for less than you owe unless there is no alternative. “Settled” stays on your report for years.
- Lenders not on RBI’s lists. Check any finance company in our RBI-registered NBFC list.
CIBIL score around 600? See which loan options could work for your salary.
Personal loan by CIBIL score: 550 · 600 · 650 · 700 · CIBIL defaulters · City guides
Credit report guides: Credit reports explained · CIBIL · Experian · Equifax · CRIF High Mark · DPD codes · Raise a dispute · Improve your score
Frequently asked questions
Can I get a personal loan with a 600 CIBIL score?
Some NBFCs and loan apps may offer small, short-tenure loans at higher rates. Banks usually decline.
Which app gives a loan with a 600 CIBIL score?
No app publishes a minimum score or guarantees approval. Compare RBI-listed apps and their stated APRs in our low credit score loan app list, and apply to one at a time.
How long does it take to improve a 600 score?
It depends on the cause. Clearing overdue accounts and keeping card balances low usually shows results within a few months, because lenders report at least every fortnight.
Does checking my score reduce it?
No. Checking your own score is a soft enquiry. Only loan and card applications create hard enquiries.
Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.