Yes, it is possible to get a Personal Loan with a low CIBIL score, but options are limited. In India, some NBFCs and digital lenders may approve such loans by offering smaller amounts, shorter tenures, or higher interest rates. Banks are usually stricter with low scores. A low score signals past repayment issues or high debt, so lenders compensate by pricing the risk higher. Approval depends on income stability and recent repayment behaviour. Improving your score before applying can significantly improve terms.