Before you apply
Find out who would say no.
Before it costs you score.
Every application you make is a hard enquiry on your credit report, and every
hard enquiry takes points off. Six refusals in a month is a real hole in your score, dug
looking for a yes. So the question worth asking first is not what is the rate — it is
who would actually open my file today, and who would turn me down.
This runs 38 real underwriting rulebooks, the same ones our credit desk uses.
Would open your file
Nothing they publish rules you out. It is not an approval — the decision is
still theirs, and they can still say no for a reason no rulebook states.
Would turn you down today
The reason is named by kind, never by number. Each lender's exact
threshold is their own and is not ours to publish.
What would change the most
Each of these re-runs all 38 rulebooks with one thing moved and nothing else,
so the number beside it is doors opened, not a guess.
What this cannot see. It reads the knockouts — score, income, age,
time in the job, credit history, employer category. It does not see your bank
statement, your internal scorecard with a bank you already hold an account at, or whether
your employer sits on a list somebody keeps privately. A lender that would open your file
can still decline it. Nobody can promise you an approval, and a page that did would be
lying to you.
Where the numbers come from. 38 underwriting rulebooks we hold and
maintain, covering salaried personal loans. They are not published and never reach your
browser: this page sends your six answers to our server, which returns only the verdict.
Published rates for 45 lenders are here,
and if the score is what is holding you back,
the CIBIL analyser reads your report
and says what to fix.
Talk to someone about your file →