Yes, a CIBIL or similar credit bureau score is checked by almost all lenders before approving a Personal Loan. It helps lenders assess repayment behaviour and credit discipline. In India, even digital and app-based lenders usually access credit data, though some may also use alternative signals. A missing or thin credit history can make approval difficult, especially for first-time borrowers. While income and job stability matter, credit score remains a key decision factor. Borrowers with no score may only qualify for small or limited offers until they build credit history.