Most lenders in India prefer a CIBIL score of around 700 or higher for Personal Loan approval, as it indicates consistent repayment behaviour. People ask this to understand whether they qualify before applying. While 700+ improves approval chances and interest terms, it is not a strict cutoff. Some lenders may approve loans with lower scores, especially NBFCs, but usually at higher interest rates or for smaller amounts. A higher score signals lower risk, whereas a low score reflects past delays, defaults, or high debt. Credit score is assessed along with income, employment stability, and existing EMIs. Even with a good score, overleveraging can lead to rejection. Improving repayment habits over time can raise eligibility.